Transworld Systems, Inc

December 8, 2017Dear [redacted]:Transworld Systems Inc. (TSI) has received your December 5, 2017 letter relating to [redacted]’s complaint. TSI has researched this matter and the findings are set forth below:According to TSI’s client, the patient’s insurance was billed and denied as the coverage...

being terminated at the time of service. The patient would need to work with the insurance if they feel they did have coverage. On 7/20/15, [redacted] placed the above referenced account with TSI for collections. On 07/22/15, TSI mailed the consumer an initial notice to the address provided by the client as a good address for the consumer, no mail returns were received.TSI requested and has received validation information for the above accounts, since 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 laws. These materials have been forwarded to the consumer via US Mail. The consumer may contact Donna M[redacted] at ###-###-#### for further account inquiries.We have contacted the credit bureaus, with which we do business, with our request to place our listing of the above account on the consumer’s credit profile in a disputed status. Please be advised that we cannot effect a change to how any other company may have listed the above account on the consumer’s credit profile.We appreciate the opportunity to respond to your inquiry.Very truly yours,TSI Consumer Affairs

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: they only removed it from one credit Bureau they still have it report as current with two other bureaus under a different name but same company. They need to remove from all agencies!  
Regards,
[redacted]

May 25, 2016Dear [redacted]:Transworld Systems Inc. (TSI) has received your May 12, 2016 follow-up letter for [redacted] filed with the Revdex.com serving Metro Washington DC and Eastern Pennsylvania for the above-referenced account.The above-referenced account is closed as paid in TSI's system. It is TSI's intent to have no further communication with [redacted] regarding this matter.On May 23, 2016, TSI refunded [redacted] $35.58 for her interest charges. The refund was sent under separate cover.Should I not hear from you within 30 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

September 22, 2015Dear [redacted]:
I acknowledge receipt of the August 26, 2015 complaint from the above-referenced consumer. Please be advised on February 3, 2015, [redacted] was quoted a tentative payment arrangement based on their verbal income and expense information, given...

verbally, of $39.00. This arrangement was pending receipt of the supporting documentation. On August 6, 2015, Transworld Systems Inc. (TSI) received [redacted]'s partial backup documentation. With receipt of the partial backup documentation, it was determined that [redacted] only qualified for $123.00 per month. On August 25, 2015, TSI gave [redacted] the opportunity to send in the documentation to support an expense claim of necessary dental, medical and insurance; which may have reduced [redacted]'s payment to the originally calculated amount. As of September 22, 2015, TSI has not received [redacted]'s expense claim documentation. If the borrower supplies the documentation and it corroborates the original payment amount of $39.00 as well as returns the signed agreement letter, he would qualify for a suspension of the garnishment payments and would continue towards completing the rehabilitation program.Please 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.
Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If 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 www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.
Very Truly Yours,Cathy
BConsumer
Affairs Team Lead

September 9, 2015I acknowledge receipt of the August 31, 2015 complaint for the above matter. Please be advised that TSI has closed the referenced account in our office. It is TSI's intent not to have any further communication with [redacted] in reference to the above...

account.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If 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 1-877FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. 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 30 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

September 8, 2016Dear [redacted]:Transworld Systems Inc. (TSI) has received your August 30, 2016 complaint for [redacted] on the above-referenced account. TSI has researched this matter and the findings are set forth below:TSI requested and has received validation information for [redacted]...

[redacted] account. TSI will not forward these documents to you, so that there is no potential violation of federal or state privacy laws. These materials have been forwarded to the consumer.[redacted] may contact Renee H[redacted] at ###-###-#### for any further questions regarding her account.In addition, please be advised that we have contacted the credit bureaus, with which we do business, with our request to place our listing of the above-referenced account on [redacted]'s credit profile in a disputed status. Please be advised that we cannot affect a change to how any other company may have listed the above account on [redacted]'s credit profile.Should I not hear from you within 30 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory. The information about the calls does not coincide with what I was told from the payroll department, and TWS operators were rude and harassed her. Since the calls have stopped, I am satisfied. 
Regards,
[redacted]

October 6, 2015Dear [redacted]:I acknowledge receipt of the September 23, 2015 complaint for the above matter. Enclosed please find the materials we received from the creditors that correspond to the above-referenced accounts. 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 accounts from [redacted]'s credit profile for the social security number we have listed in our records. TSI cannot affect a change to how any other company may have listed the above accounts on [redacted]'s credit profile. For further inquiry please contact Kurt H[redacted] at ###-###-#### relating to the above account.In addition, please provide the phone number which is listed on your credit report so TSI can complete a full investigation into your allegation.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If 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 1-877FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. 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 30 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

October 8, 2015Dear [redacted]:I acknowledge receipt of the September 16, 2015 complaint for the referenced consumer. Please be advised that Transworld Systems Inc. has closed the above account in our office. It is TSI's intent not to have any further communication with [redacted] in reference...

to the above account.Further inquiries regarding the above account may be directed to ** [redacted], Loudonville, NY [redacted].Please note that TSI is investigating the issue with the phones.Federal and state law prohibits certain methods of debt collection, and requires that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at https://www.transworldpayments.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. 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 30 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

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

July 7, 2017Dear [redacted]Transworlds Systems Inc. (TSI) has received your June 22, 2017 letter relating to [redacted]’ complaint. TSI has researched this matter and the findings are set forth below:TSI requested and has received validation information for [redacted]’ account....

Enclosed is the validation information TSI received from the creditor that corresponds to the above-referenced account. Validation will also be mailed to [redacted] via U.S mail.[redacted] may contact [redacted] at [redacted] for any further questions regarding the above-referenced account.In addition, please be advised that we have contacted the credit bureaus, with which we do business, with our request to place our listing of the above-referenced account on [redacted]’ credit profile in a disputed status. Please be advised that we cannot affect a change to how any other company may have listed the above account on [redacted]’ credit profile.Please be advised that your account balance may be periodically increased due to the addition of accrued interest or other charges as provided in your agreement with the original creditor or as otherwise provided by state law.Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter.Thanking you for your cooperation, I remain,Very truly yours,Transworld Systems Inc.

I acknowledge receipt of the April 6, 2016 complaint for the referenced consumer. We are currently processing this complaint and will begin our investigation shortly. I expect to follow-up with you on this matter within the next 30 days.Please contact my office directly if you have any...

questions.Very truly yours,Cathy B[redacted]

February 2, 2016Dear [redacted]:
I acknowledge receipt of the January 8, 2016 complaint regarding the above referenced accounts. Since the account validation materials relate to medical issues, Transworld will not forward these documents to you, so that there is no potential...

violation of federal or state privacy laws. These materials have been forwarded to the consumer.By way of background, your account was initially placed for collection with [redacted]). Effective October 31, 2014, your account was transferred to TSI. As such, TSI is responding to this complaint.
If [redacted] has paperwork showing that any of the above accounts has been paid in full, please send that information to Transworld Systems Inc at P. O. Box [redacted], Wilmington, DE [redacted].
Please 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.
With the supplied information being forwarded to the consumer, I consider this matter concluded.
Very truly yours,
Cathy B
Consumer Affairs Team Lead

Today I received my first collection call in my lifetime related to a debt I find out that I owed from a surgical procedure I had in fall of 2014. It is August 12 and I received a telephone call from representative at Transworld Systems Inc who stated that he was calling to collect a debt. I inquired about the debt and advised in a recorded statement that I was unaware of the debt and that I would contact the doctor's office or surgical center to square up. The debt collector continued to harass me asking questions of me as follows: "Are you saying you are not going to pay this debt?" "Are you saying you do not owe this debt?" "Are you saying you forgot you had this procedure done?" I simply advised that I would pay any amounts owed to the company I owed it to directly. I had to find out what amounts were still owed. I would never offer up a payment over the phone to someone so disrespectful to me. I was horrified. It was the most unpleasant phone experience I've ever had and my first with a debt collector. The agent should be reviewed. The call is recorded. The doctor's office and surgical center has been notified of the harassment and disrespectful nature of the debt collection agency. And by the way, the debt is paid.

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

April 15, 2016Dear [redacted]:Transworld Systems Inc. (TSI) has received your April 7, 2016 letter relating to [redacted]'s complaint. Please be advised that the above-referenced account is closed in TSI's system. It is TSI’s intent not to have any further communication with [redacted] in...

reference to the above account. Further inquiries regarding the above account may be directed to [redacted] at P.O. Box [redacted] Dallas, TX [redacted].TSI has no record of receiving any payments regarding the above-referenced account.TSI has not reported the above-referenced account on [redacted]' credit report. TSI cannot affect a change to how the creditor or any other company may have listed the account on the consumer's credit profile.Should I not hear from you within 30 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

August 24, 2017Dear [redacted]:Transworld Systems Inc. (TSI) has received your August 17, 2017 letter relating to [redacted]’ complaint filed with the Revdex.com serving Metro Washington DC and Eastern Pennsylvania. TSI has researched this matter and the findings are set...

forth below:TSI has requested validation information for the above accounts, since the accounts’ 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 laws. We will forward any materials we receive as a result of our request directly to [redacted] for her review and consideration. Please advise the consumer to contact Gina B[redacted] at ###-###-#### or ###-###-#### for any further questions regarding her accounts.Please be advised that TSI has contacted the credit bureaus, with which we do business, with its request to place our listing of the above accounts on the consumer’s credit profile in a disputed status. TSI cannot affect a change to how the creditor or any other company may have listed the above accounts on the consumer’s credit profile.Should I not hear from you within 30 days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,TSI Consumer Affairs

Transworld Systems Inc. (TSI) has received your April 19, 2016 letter relating to [redacted]'s complaint.TSI has closed the referenced account in its system. It is TSI's intent to have no further communication with the consumer relating to this matter.[redacted] may contact the creditor...

for any further questions regarding the above-referenced account.Thanking you for your cooperation, I remain,Very truly yours,Cathy B[redacted]Consumer Affairs Team LeadZ:Scanned Docs

Transworld Systems Inc. (TSI) has received your August 7, 2017 letter relating to [redacted]complaint filed with the Business Better Bureau serving Metro Washington DC and EasternPennsylvania. TSI has researched this matter and the findings are set forth below:The above-referenced account is...

closed in TSI’s system. It is TSI’s intent to have no furthercommunication with the consumer regarding this matter. TSI has contacted the credit bureaus, withwhich it does business, with its request to delete TSI’s listing of the above-referenced account fromthe consumer’s credit report for the social security number listed in TSI’s records. TSI cannot affecta change to how the creditor or any other company may have listed the above account on theconsumer’s credit profile. Please advise the consumer to contact [redacted] [redacted] for any further questions regarding the abovereferenced account.Should I not hear from you within 30 days, I will assume you have all information necessary tocomplete your investigation and close this matter.Very truly yours,TSI Consumer Affairs

September 17, 2015I acknowledge receipt of the August 28, 2015 complaint for the above matter. Enclosed please find the materials we received from the creditors that correspond to the above referenced accounts. 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 accounts from consumer's credit profile for the social security number we have listed in our records. TSI cannot affect a change to how any other company may have listed the above accounts on the consumer's credit profile. Please contact Kurt H[redacted] at ###-###-#### relating to the above accounts.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If 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-FTCHELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. 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 30 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