Transworld Systems, Inc

There are two collection accounts that have appeared on my credit that have balances of zero 0. both say [redacted] emergency physicians. I have paid these balances in 2015 and I have confirmed with [redacted] directly they should never have been reported on my credit report. They were paid on...

time and they were paid after I was out of the hospital. this needs to be removed from my credit report.Please remove the two paid accounts with balances of zero from my credit report. These were paid when I got the bill as the hospital was going back and forth with my insurance.

Dear [redacted]:Transworld Systems Inc. (TSI) has received your May 5, 2017 letter relating to [redacted]’s complaint filed with the Revdex.com serving Metro Washington DC & Eastern Pennsylvania. TSI has researched this matter and the findings are set forth below:According to TSI’s...

client, the above referenced accounts are for the same creditor and account. The client went through a system conversion which changed account numbers within their system. This change allowed for duplicate accounts to be placed with TSI.TSI performed a review of the inventory and corrected any duplicate placements.Please be advised that accoun[redacted] is closed in TSI’s system. It is TSI’s intent to have no further communication with the consumer regarding this matter.TSI requested and has received validation information for the consumer’s account [redacted]. Enclosed is the validation information relating to this account. Validation will also be mailed to the consumer via U.S. mail.In addition, TSI has contacted the credit bureaus, with which it does business with its request, to delete TSI’s listing of accoun[redacted] from the consumer’s credit report for the social security number listed in TSI’s records and request to place our listing of account [redacted] 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 accounts on the consumer’s credit profile. Should the consumer have any information that will assist us further, please contact the undersigned.For any further questions regarding account [redacted], please advise the consumer that he may contact Renee H[redacted] at [redacted]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 August 17, 2016 complaint for [redacted] on the above-referenced account. TSI has researched this matter and the findings are set forth below:
TSI has closed the referenced account in its system. It is TSI's intent to have no...

further communication with [redacted] relating to this matter. [redacted] may contact the creditor at P.O. Box [redacted], Newark, NJ 07191-8998 for any further questions regarding the above account.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[redacted]

April 14, 2017Dear [redacted]:Transworlds Systems Inc. (TSI) has received your April 10, 2017 letter relating to [redacted]’s complaint, TSI has researched this matter and the findings are set forth below:TSI has closed the referenced account in its system. It is TSI's intent to have no...

further communication with [redacted] relating to this matter.[redacted] may contact [redacted]., Frontenac, MO [redacted] for any further questions regarding the above account.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 yoursCathy BConsumer Affairs-Team Lead

Transworld Systems Inc. (TSI) has received your April 6, 2016 letter and understands Ms. [redacted] has complained that she agreed to a monthly payment of $5.00 for 9 months to rehabilitate her student loans; however, $166.35 has been offset from her social security check. TSI has researched this matter and the findings are set forth below:
On March 21, 2015, the U.S. Department of Education placed the above-referenced accounts for Ms. [redacted] with TSI for collection. On March 22, 2015, TSI mailed Ms. [redacted] an initial collection notice. Records confirm that on January 12, 2016, Ms. [redacted] agreed to make loan rehabilitation payments with a start date of January 28, 2016 through June, 2017 in the amount of $5.00 per month. The TSI representative Ms. [redacted] spoke with informed her that she would continue to be eligible for the federal offset program until the loans were removed from default status, which would occur once she had completed the rehabilitation program. On January 13, 2016, TSI mailed Ms. [redacted] a Rehabilitation Agreement Letter to complete. Receipt of the completed and executed rehabilitation materials is required by the creditor and TSI cannot affect a change in this process.
On February 24, 2016 and March 16, 2016, records confirm Ms. [redacted] called TSI and informed TSI representatives that her social security payment had been offset. The federal offset program is administered by the U.S. Department of Treasury. TSI did not take $166.35 from Ms. [redacted]’s social security check and cannot affect a change in the withholding Ms. [redacted]'s social security benefits by the U.S. Department of Treasury; however, once Ms. [redacted] completes the rehabilitation program, she will no longer be subject to the offset program.
To date, TSI has received 4 payments of $5.00 from Ms. [redacted]. TSI has not yet received page 2 of the financial form of the Rehabilitation Agreement Letter. Please direct Ms. [redacted] to forward this information to TSI at fax # ###-###-####.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.
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[redacted]

Transworld Systems Inc. (TSI) has received your April 27, 2017 letter relating to [redacted]complaint filed with the Revdex.com serving Metro Washington DC & EasternPennsylvania. TSI has researched this matter and the findings are set forth below:On January 12, 2017, [redacted]...

[redacted] placed the above referenced account with TSI for collections.On January 13, 2017, TSI mailed the consumer an initial notice to the address provided by the clientas a good address for the consumer, no mail returns were received.TSI has closed account the above account in its system. It is TSI's intent to have no furthercommunication with [redacted] relating to this matter. The consumer may contact [redacted]
[redacted] for further inquiries regarding this account.TSI has contacted the credit bureaus with which it does business with its request to delete TSI’slistings of the above-referenced account from the consumer’s credit report for the social securitynumber listed in TSI’s records. TSI cannot affect a change to how the creditor or any other companymay have listed the above account on the consumer’s credit profile

March 31, 2017Dear [redacted]:Transworld Systems Inc. (TSI) has received your March 20, 2017 letter relating to [redacted]’s complaint. TSI has researched this matter and the findings are set forth below:TSI has closed the referenced account in its system. It is TSI's intent to have no...

further communication with [redacted] relating to this matter.TSI has not reported the above-referenced account on [redacted]’s credit report. TSI cannot affect a change to how the creditor or any other company may have listed the account on [redacted]’s credit profile.[redacted] may contact [redacted] at [redacted], Jacksonville, FL [redacted] for any further inquiries regarding the above account.We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing his concerns to our attention. Let us state at the outset that it is not the policy or the practice of this company to engage in unfair, deceptive or misleading practices. Nor are such occurrences tolerated. Our employees are trained and are also regularly monitored for compliance purposes. Please assure the consumer that his comments have been thoroughly reviewed and have not been taken lightly. Should 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 procedures.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

January 26, 2017Dear [redacted]:Transworld Systems Inc, (TSI) has received your January 18, 2017 letter relating to [redacted]'s complaint filed with the Revdex.com serving Metro Washington DC & Eastern Pennsylvania. TSI has researched this matter and the findings are set forth...

below:TSI records confirm that no payment has been received on this account. Should [redacted] have any information showing otherwise, please provide that to Cathy B[redacted] at TSI, P.O. Box [redacted], Wilmington, DE [redacted] or fax it at ###-###-####.TSI has requested and has received the validation information for the consumer’s account. Enclosed is the validation information TSI received from the creditor that corresponds to the above-referenced account. Please be advised that TS1 has place the referenced account in a restrictive status to prevent further collection activity in our office. It is TSI's intent not to have any communication with the consumer in reference to the above account.In addition, TSI has not reported the above-referenced account on the consumer's 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. For any further questions regarding the consumer's account, [redacted] may contact Jeff B[redacted] at ###-###-####.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, Cathy BConsumer Affairs Team Lead

Transworld Systems Inc. (TSI) has received your August 17, 2016 complaint for [redacted] on the above-referenced account. TSI has researched this matter and the findings are set forth below:TSI has closed the referenced account in its system. It is TSI's intent to have no further communication...

with [redacted] relating to this matter. [redacted] may contact the creditor at P.O. Box [redacted], Newark, NJ 07191-8998 for any further questions regarding the above account.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[redacted]

In 2014 I had to go into the hospital for about a week. My insurance paid all but 1,890.96. My husband works for a school system in our small town and only gets paid once a month and I am unable to work. I started making payments to the hospital but soon they called me and said they don't handle payments so they turned my account over to Transworld System, Inc. Transworld called and told me were to send my payments and that was all they did. After making several payments I wanted to make sure my balance coincided with their records of my balance since they had never sent me a bill or monthly statements or anything from them. Well theirs didn't balance with mine, go figure. After figuring out why their balance was different they still would not send me monthly statements and I have had to put up with their excessive calling daily, sometime twice a day with the robo calls. After a year of these calls I finally called them back and told them to stop calling me that I was already making monthly payments to them.That is when the lady said she wanted to set up a payment plan. Now remember this is a year AFTER I had already been making payments for a year! The person said she wanted to make a payment plan now cause she didn't like the amount I was paying. I told her I was sorry but I didn't have a dead rich uncle to inherit from for her and was paying what I could until it was paid off whenever that may be. Needless to say she wasn't happy about that and I still do not get any monthly statements and still get excessive daily calls every day and sometimes twice a day. I still send a note with every payment asking them for a statement to verify my balance with theirs and now I don't even get that answer from them. I am very frustrated and stressed out with the strange way this company does business and very very annoyed and irritated with the excessive calling, It makes me feel like they are trying to harass me and drive me crazy. I don't know if this is going to help me any but if anyone could, at lest get them to stop calling me every day. (I almost wish I did have a dead rich uncle to inherit from so I could pay them off and get them off my Phone!) Hope this helps someone who might be thinking of doing business with this unprofessional company. Thank you Revdex.com for letting me vent.

Transworld Systems Inc. (TSI) has received your April 6, 2016 letter and understands Ms. [redacted] has complained that she agreed to a monthly payment of $5.00 for 9 months to rehabilitate her student loans; however, $166.35 has been offset from her social security check. TSI has researched this matter and the findings are set forth below:On March 21, 2015, the U.S. Department of Education placed the above-referenced accounts for Ms. [redacted] with TSI for collection. On March 22, 2015, TSI mailed Ms. [redacted] an initial collection notice. Records confirm that on January 12, 2016, Ms. [redacted] agreed to make loan rehabilitation payments with a start date of January 28, 2016 through June, 2017 in the amount of $5.00 per month. The TSI representative Ms. [redacted] spoke with informed her that she would continue to be eligible for the federal offset program until the loans were removed from default status, which would occur once she had completed the rehabilitation program. On January 13, 2016, TSI mailed Ms. [redacted] a Rehabilitation Agreement Letter to complete. Receipt of the completed and executed rehabilitation materials is required by the creditor and TSI cannot affect a change in this process.On February 24, 2016 and March 16, 2016, records confirm Ms. [redacted] called TSI and informed TSI representatives that her social security payment had been offset. The federal offset program is administered by the U.S. Department of Treasury. TSI did not take $166.35 from Ms. [redacted]’s social security check and cannot affect a change in the withholding Ms. [redacted]'s social security benefits by the U.S. Department of Treasury; however, once Ms. [redacted] completes the rehabilitation program, she will no longer be subject to the offset program.To date, TSI has received 4 payments of $5.00 from Ms. [redacted]. TSI has not yet received page 2 of the financial form of the Rehabilitation Agreement Letter. Please direct Ms. [redacted] to forward this information to TSI at fax # ###-###-####.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.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[redacted]

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; however, I want the accurate details of the resolution of this issue on record.  Transworld states that I sent in my proofs of payment on May 25, 2017 and they were able to locate the missing payments, zero out the account, and erase all accounts from my credit report by May 30, 2017.  The details of what actually transpired is riddled with more inefficency on Transworld's part.  I faxed the proof of payments of 4/17/17, as stated in my last compaint, and recieved no confirmation of reciept as requested.  The day after filling the second complaint I recieved a second voice mail from Shawn C[redacted], this time requesting a call back in order to discuss the issue.  I was able to connect with Mr. C[redacted] on 5/22/17.  Mr. C[redacted] reported there was still a $50 balance on my account that needed to be payed.  I told Mr. C[redacted] no less than 3 times during this conversation that I had faxed in proofs of payment for 2 payments that had not been credited to my account per the account history I recieved from Transworld at the end of March (the result of the first Revdex.com complaint I filed).  Eventually I was able to determine that one of the payments I had submitted proof for had been processed and the other had not.  I was informed that the previous proofs of payment I had sent in were "probably" in another department and I would need to send them again and that Mr. C[redacted] would need a few days to look into the matter before I would recieve a call back.  At that time I also inquired to Mr. C[redacted] about having these account removed from my credit report and was told that Transworld would only provide a "paid in full" statement and that I would need to contact the orginal creditor for anything further regarding the collections listing-- clearly this is inaccurate information as Transworld did remove the accounts from my credit report.  I faxed the proofs of payment to Mr. C[redacted]'s direct office fax that day, 05/22/17.  I recieved a voice mail from Mr. C[redacted] again on 5/24/17 stating that the faxed proof of payment I had submitted was "too dark" for him to read and I would need to submit it again.  The proof of payment was faxed for a third time to Transworld on 5/25/17.  I never had a follow up phone call from Mr. C[redacted].  Transworld's response to the Revdex.com was submitted on May 30, reporting the accounts had been deleted from my credit report.
It took Transworld 5 days to remedy the situation on their end.  It took me 3.5 months, two Revdex.com complaints, over 10 phone calls and 3 faxes containing the same information in order to get them to do it.  I hope the information provided in my complaints helps others to deal with this inefficiently run company.  Transworld states it is their intent to have no further communication with me-- I couldn't be more happy to agree.
Regards,
[redacted]

From: [redacted] <[redacted].com>Date: Thu, Sep 14, 2017 at 2:00 PMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #[redacted].To: [email protected],This message is in response to my complaint filed...

yesterday. Please see the subject line for the complaint number.After hearing from additional parties, the business has responded and provided the requested information.  Again, the original request is not something that should take 3 business days to deliver, or send a customer on a wild chase to obtain.Thank you.

Dear [redacted]:Transworld Systems Inc. (TSI) has received your June 21, 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:The...

above-referenced account is closed in TSI’s system as paid. It is TSI’s intent to have no further communication with the consumer regarding 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 the consumer’s credit profile. Since the consumer’s full social security number was not provided to TSI and is not available to TSI to include with its deletion request, TSI will be uncertain as to whether its deletion request will be accurately processed by the agencies notified. TSI cannot affect a change to how the creditor or any other company may have listed the above account on the consumer’s credit profile. For any further questions regarding the above account, please advise the consumer to contact [redacted] at [redacted].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,

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

April 20, 2016Dear [redacted]:Transworld Systems Inc. (TSI) has received your April 15, 2016 follow-up letter relating to [redacted]' 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].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 fully yours,Cathy B.Consumer Affairs Team Lead

October 24, 2016Dear [redacted]:Transworld Systems Inc. (TSI) has received your October 19, 2016 letter relating to [redacted]'s complaint filed with the Revdex.com of Metro Washington DC and Eastern Pennsylvania. 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 further communication with [redacted] regarding this matter. Please advise [redacted] that she may contact [redacted] / [redacted] at P.O. Box [redacted], San Antonio, TX [redacted] for any further questions regarding her account.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, Cathy
BConsumer
Affairs Team Lead

March 3, 2016Dear [redacted]:Transworld Systems Inc. (TSI) has received your February 19, 2016 letter and understands [redacted] has complained that TSI is contacting her employer to verify her employment in order to garnish her wages. [redacted] indicates that TSI only provided her employer with...

her social security number and never mentioned her by name. [redacted] also states that TSI harassed the administrative assistant when she indicated that she could not verify [redacted]'s social security number "without permission according to HIPAA laws' and told the assistant that “they were the federal government and she better verify the social security number or it would come back on her.” When TSI faxed her employer information to verify her employment, the information did not provide any documentation relating to the creditor. [redacted] does not have any knowledge as to what company this relates to and requests further information. TSI has researched this matter and the findings are set forth below.On November 16, 2015, PHEAA Harrisburg PA placed the above referenced student loan accounts with TSI for collection for [redacted]. The accounts were consolidated and handled as one account, On November 17, 2015, an initial collection notice was mailed to [redacted], Calls were placed to [redacted] in order to collect on the account; however, contact was not made.On February 5, 2016, a call was placed to a telephone number located as a possible work number for [redacted]. The TSI representative asked to speak with the HR department in order to verify if [redacted] is an employee. Records confirm that the representative spoke with [redacted] in the HR department and provided [redacted]'s name and the last four digits of [redacted]’s social security number and asked [redacted] to verify if she is an employee. [redacted] verified [redacted]’s name but stated she would not confirm the social security number "due to HIPAA laws' and without a signed release from [redacted] authorizing [redacted] to provide TSI with [redacted]’s social security number. Please note, the Health Insurance Portability Accountability Act (HIPAA) relates only to medical accounts. This matter involves a student loan account, for which HIPAA does not apply. It is not improper or illegal for TSI to request an employer to verify the last four digits of an employee's social security number in order to verify employment for wage garnishment purposes.On February 8, 2016, TSI placed a call to [redacted]’s payroll department and left a message. TSI received a returned call from [redacted]. The representative advised the call related to employment verification and that TSI needed [redacted] to verify [redacted]’s name and last four digits of her social security number in order to proceed with federal wage garnishment. [redacted] again stated that she would not release the social security number without authorization from [redacted] due to HIPAA. (Again, HIPAA does not apply to this matter, as it does not relate to a medical account. [redacted] should consult with her manager as to the correct procedure to follow involving the verification of a person's employment with her company). [redacted] provided a fax number for TSI to fax the employment verification information needed to proceed with the wage garnishment. That same day, TSI faxed the employment verification information to [redacted]'s employer. In order to prevent third party disclosure of a consumer's information, the employment verification forms do not provide the creditor name or account information. Otherwise, should the person whose employment is being verified be the incorrect consumer, the correct consumer's information would be improperly disclosed.TSI's records do not substantiate [redacted]’s allegations. TSI followed all laws when verifying [redacted]’s employment in order to proceed with wage garnishment on behalf of PHEAA Harrisburg PA relating to [redacted]'s student loan accounts. On February 25, 2016 and March 3, 2016 the creditor respectively re-called [redacted]’s accounts [redacted] and [redacted]. TSI has closed and returned the accounts to the creditor and will conduct no further collection activity regarding this matter. [redacted] may contact the creditor directly at P.O. Box 1465 Harrisburg PA 17102 with any further questions regarding this matter. Please note, TSI has no control over whether the creditor places [redacted]'s accounts with another collection agency for further collection.We appreciate the opportunity to respond to your inquiry.Very truly yours,Cathy B.Consumer Affairs Team Lead

February 10, 2017Dear [redacted]:Transworld Systems Inc. (TSI) has received your February 3, 2017 letter relating to [redacted]’s complaint filed with Revdex.com of Metro Washington DC and Eastern Pennsylvania. TSI has researched this matter and the findings are set forth below: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.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 [redacted]’s credit profile for the social security number we have listed in our records. Please be advised that TSI 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
BConsumer
Affairs Team Lead

April 6, 2017Dear [redacted]:Transworld Systems Inc. (TSI) has received your April 3, 2017 letter relating to [redacted]'s complaint filed with the Revdex.com serving Metro Washington DC & Eastern Pennsylvania. TSI has researched this matter and the findings are set forth...

below:Please be advised that the above-referenced account is closed in TSI’s system. It is TSI’s intent to have no further communication with the consumer regarding this matter,For any further questions regarding the consumer’s account, please contact Peoples Bank at P.O. Box [redacted], Marietta, OH [redacted].TSI has not reported the above-referenced account on the consumer's 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 tocomplete your investigation and close this matter.Very Truly
Yours,Cathy
BConsumer
Affairs Team Lead