Transworld Systems

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Transworld Systems , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, PA XXXX Phone : XXXX Website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( ongoing ) Amount in Dispute : {$240.00} Please be advised that I am not a third party. This complaint is being submitted directly by the consumer with full rights under the Fair Debt Collection Practices Act ( FDCPA ) and all applicable federal and state laws. I am submitting this complaint against TRANSWORLD SYSTEMS , INC. ( TSI ), a debt collector, for clear violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.…

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On XX/XX/year> mailed the company via certified mail ( XXXX # XXXX ) letter stating : -Debt id disputed in its totality -XXXX breached their contract -XXXX failed to acknowledge my disputed debt ( XXXX XXXX, XXXX, XXXX XXXX XXXX ) within 30 days and offer a resolution within 90 days as required by FCBA rules. -Stop contacting me, as I, now, am being represented by an attorney and provided my attorneys information.

On the XXXX of XXXX 2026, I called Transworld Systems Inc to pay my XXXX debt I had in full. They gave me a discount, and drop the total from {$450.00} to {$330.00}. I was told that once they recieved there payment, they would request a letter of receipt showing a XXXX balance and it would come in XXXX business days via email. I have called multiple times last week to see if there was anything they could give me showing a XXXX balance and they kept telling me, the email should come soon. Fast forward to the XXXX of XXXX, i still hadnt gotten an email, so i call again and speak with a supervisor that i haven't gotten any email and she tells me, oh they had just mailed it out on the XXXX, instead of emailing it. Then she says she can get me a copy of the letter and it turned out to be someone elses letter and debt situation. I need this letter by the end of tomorrow, in order for my family to get approved for a townhouse.

I am disputing a {$190.00} debt ( Ref # XXXX ) currently being collected by Transworld Systems Inc. ( TSI ) on behalf of XXXX XXXX. This debt is the result of a documented corporate billing error. I have a XXXX Return Receipt ( Order # XXXX ) dated XX/XX/year>, which proves the hardware for Account # XXXX was returned to the XXXX, MD corporate store. XXXX failed to close the account and instead sold this erroneous 'ghost ' balance to collections. This error also resulted in a significant privacy breach where my personal phone number was assigned to a third party.

Validation of Debt Request - XXXX - XXXX * * * * * * * * * * * I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Transworld System says I have an account that was placed in collections for {$640.00}. I called them to tell them I do not have any account with them. They asked for my phone number and said " no you don't have an account with us, you will have to take it up with your bank ''. My bank has nothing to do with it, but my credit is showing this as an account in collections.

Received a phone call stating I have a debt with XXXX XXXX XXXX XXXX. My children have never been to the hospital, and I have never been to XXXX XXXX XXXX XXXX. There is no way I have a debt with them. They continued to try to verify my name and got upset when I said I suspected fraud and would be reporting the number for safety.

I am disputing an inaccurate balance being reported and collected by Transworld Systems Inc. My original debt was approximately {$6100.00} from a XXXX XXXX credit account. Beginning in XX/XX/year>, I have had wage garnishments totaling approximately {$3800.00}. In addition, my federal tax refund in the amount of {$4600.00} was offset and applied toward this debt. Despite these payments totaling approximately {$8500.00}, the account currently reflects a remaining balance of {$5500.00}. The payment history shown by the company only includes partial payments starting in XX/XX/year> and does not reflect earlier garnishments or the federal tax offset. This indicates that significant payments have not been properly applied to the account. I have already attempted to resolve this issue directly with the company and requested a full account ledger and payment history, but I have not received a complete or accurate breakdown.…

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Attempt to Collect Wrong Amount : There is an unexplained {$50.00} discrepancy between the amount TSI is demanding ( {$470.00} ) and the original invoice they provided as " proof '' of the debt ( {$420.00} ). Collection of Invalidated Debt : TSI is pursuing a debt that has already been investigated and officially invalidated by the primary financial institution involved ( XXXXXXXX XXXX XXXX Written Admission of Sales Misrepresentation : XXXX XXXX XXXX XXXX XXXX explicitly admitted in writing that : the cancellation clause is not at all what the sales rep told you. This admission confirms that the contract was signed based on fraudulent misrepresentation by XXXX agent " XXXX '' on XX/XX/XXXX, who stated there were " no cancellation fees '' and I could " cancel when you wish ''. Under contract law, an agreement obtained through misrepresentation of material terms is voidable and legally unenforceable. On XX/XX/XXXX, a service agreement was initiated with XXXX for pest control.…

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I am filing this complaint against XXXX regarding an unresolved billing dispute that has resulted in wrongful collections activity and potential damage to my credit. I switched to XXXX under specific promotional terms that included reimbursement for my prior carriers equipment payoff. XXXX has failed to honor those original terms. Instead, they are now attempting to impose new conditions that were never disclosed at the time of the agreement, including requiring me to trade in my original handset or accept only 50 % of the promised reimbursement. This is a material change to the original agreement and is not acceptable. XXXX is also requiring me to provide a final billing statement from my previous carrier ( XXXX ) to verify the equipment payoff amount. However, after porting my number, I lost access to that account and can not retrieve the requested documentation.…

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To Whom It May Concern, I am submitting this complaint regarding my experience with a creditor that I believe engaged in misleading and unclear communication, resulting in financial harm and unnecessary stress. Throughout my interactions with this company, I was not informed of all available options to resolve my account, including the possibility of negotiating a settlement. Instead, I was led to believe that making payments under their guidance would improve my situation and not negatively impact me further. Additionally, I was given assurances that my account or credit card would be reinstated upon payment. However, after complying and making payments in good faith, those assurances were not honored. The outcome was not only different from what was communicated to me, but also more damaging than I was led to expect. The representatives I dealt with were difficult to work with and did not provide clear, transparent, or accurate information.…

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Transworld Systems Inc. for failing to conduct a lawful investigation and for continuing to furnish inaccurate and unverified information to consumer reporting agencies after receiving notice of dispute. The account being reported by Transworld Systems Inc. relates to an alleged collection account for XXXX XXXX XXXX XXXX in the amount of {$1500.00}. I disputed this account directly with the credit reporting agencies. After receiving notice of my dispute, Transworld Systems Inc. continued furnishing the account as accurate without providing competent documentation supporting the debt. Under the Fair Credit Reporting Act, once a furnisher receives notice of a dispute from a credit reporting agency, the furnisher is required to conduct a reasonable investigation and report accurate results back to the credit reporting agency. Transworld Systems Inc.…

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A collection account is currently being reported on my credit file that I did not open and did not authorize. I believe this account is the result of identity theft. The account is being reported by Transworld Systems Inc on behalf of XXXX XXXX XXXX, with a balance of {$1000.00}, and a reported open date of XX/XX/XXXX. I first became aware of this account when reviewing my credit report. I immediately disputed the account with the credit bureau, stating that I do not recognize this account and did not open it. Despite my dispute, the account remains on my credit report and is marked only as account information disputed by consumer. Between XX/XX/XXXX and XX/XX/XXXX, my disputes did not result in removal or proper verification of this account. It appears that the investigation conducted was insufficient and may have relied on automated verification rather than a reasonable investigation.…

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tsi ( Transworld Systems Inc ) has been attempting to collect a debt for the amount owed for repossession of a XXXX XXXX XXXX of {$29000.00}. The truck was sold some years ago by XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX for around {$24000.00} thereby reducing any amount owed to tsi ( collector for XXXX XXXX XXXX XXXX XXXX ). I mailed a copy of the online report showing the truck was sold, the XXXX and when and for how much, however tsi continues to attempt to collect {$29000.00} from me.

Transworld Systems is trying to collect a debt on behalf of XXXX in the amount of {$110.00}. They never contacted me prior to submitting a collection to all three credit bureaus. I have excellent credit ( never missed XXXX payment ), so when I saw this on my credit report I was shocked and confused. I immediately contacted Transworld Systems and they said it was from XXXX ( XXXX years ago )! And I dont even have a XXXX account at that time! They even admitted that they had been send notices to an old address that o havent lived at for over XXXX years! I asked them to send me something in the mail explaining this about XXXX weeks ago, but I still havent received anything. I disputed it with all XXXX credit bureaus, but only XXXX and XXXX have removed it from my credit report. XXXX XXXX and said the company is claiming its mine ( still with no proof or explanation ). Please help to rectify this situation.…

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I have a collection account from Transworld Systems Inc. on my credit report that I do not recognize and was never properly notified about. I requested documentation to verify the accuracy of this account, including the balance, payment history, and proof that this company has the legal authority to collect. They have not provided sufficient documentation to verify this debt, yet they continue reporting it on my credit report. This raises serious concerns about the accuracy and completeness of the information being reported.

The XXXX number called and wanted to collect a debt from a place I had just got off the phone with, XXXX XXXX car in XXXX, XXXX XXXX They wanted a name and phone number. I told them their fraud and I'm going to report them. They could be impersonating an lawyer of the collection agency to collect debt or stole my identity. I do not have a balance or anything with XXXX.

Validation of Debt Request - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Transworld Systems Inc. ( TSI ) is attempting to collect a balance from XXXX XXXX ( Account No. XXXX ) that I dispute. I requested full validation of the debt, including proof of the balance, detailed billing records, all applied payments and credits, and any documentation showing that TSI has the legal authority to collect on behalf of XXXX XXXX. TSI responded to my previous complaint by providing only a summary statement and claimed validation, without including any supporting documentation. They did not provide meter readings, a full billing history, or proof of payments or credits applied. Because of this, the balance they claim may be inaccurate, incomplete, or unverifiable. Despite my requests, the account remains on my credit report and continues to be reported without proper verification. I do not have any agreement or signed contract with TSI and have never authorized them to collect this debt.…

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Complaint Against Transworld Systems Inc. ( TSI ) I am filing this complaint regarding unlawful debt collection practices by Transworld Systems Inc. in connection with an alleged debt originally associated with XXXX XXXX ( now XXXX XXXX XXXX ). I previously disputed this account and requested proper validation. In response, Transworld Systems Inc. sent a letter dated XX/XX/year>, claiming to provide validation. However, the only documentation provided was a Move Out Statement, which is merely an internal accounting summary and does not constitute legally sufficient validation of a debt. Specifically, the company failed to provide : - A signed agreement establishing that I legally incurred the debt - Any documentation demonstrating legal ownership or assignment of the debt - A complete and verifiable payment history Despite failing to provide proper validation, Transworld Systems Inc. continued collection efforts, including sending a settlement offer dated XX/XX/year>.…

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I was a victim of predatory lending practices by Transworld System XXXX. The loan terms were unfair and misleading, and the account is being reported inaccurately. I dispute the accuracy, validity, ownership, and legal enforceability of this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 requires that all information reported be fair, accurate, complete, and fully verified. Furthermore, XXXX hold both credit bureaus and furnishers liable for reporting false, misleading, or unverifiable information. I am requesting a full reinvestigation, including but not limited to : Verification using original signed contract ( s ) Documentation showing the account was reported with maximum possible accuracy The method of verification used to confirm this account If XXXX XXXX XXXX can not provide original, competent, and verifiable documentation, this account must be deleted immediately from my credit file pursuant to the FCRA.…

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Validation of Debt Request - XXXX - XXXX * * * * * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I spoke to U.S. Department of Educations ( DOE ) Default Resolution Group and was informed TRANSWORLD SYTEMS contract with the DOE expired in 2017. As a result DOE told me not to communicate to TRANSWORLD SYSTEMS. TRANSWORLD SYSTEMS is attempting to collect a debt and engage in collection activity on behalf of the DOE. If so, this is a violation of certain consumer laws. I demand TRANSWORLD to show proof of a current contract to collect debt on behalf the DOE. Otherwise, cease and desist any and all debt collection activity forthwith.

After This collection appeared on my XXXX report, I reached out to Transworld on XX/XX/year> via phone a requested the original documents. I was told I would have them within XXXX business days. I did not receive them. I contacted Transworld Late XX/XX/year> and there was conflicting information, one representative stating I did not have and active account with them, while the second rep I was transferred to mentioned they had just taken over the account, which made no sense because the collection was reported XX/XX/year>.

Subject : Attempt to Collect Invalid Debt Toll Violation # XXXX I am filing a complaint against Transworld Systems Inc. for attempting to collect a debt that is clearly invalid due to a documented license plate misidentification. Details of the issue : Alleged Toll Violation : # XXXX My License Plate : XXXX XXXX ( XXXX XXXX, TN ) Plate on Violation : XXXX XXXX ( XXXX XXXX, TN ) These are different vehicles registered in different counties. The debt has been incorrectly assigned to me. Actions I have taken : Filed Dispute # XXXX with XXXX Contacted XXXX multiple times starting XX/XX/XXXX Sent a certified letter on XX/XX/XXXX to the Violations Processing Center, including photographs of my vehicle and license plate and vehicle registration Despite this clear evidence, the toll authority failed to correct the error and referred the account to collections. Transworld Systems Inc.…

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To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; XXXX debt Search XXXX XXXX.…

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I am submitting this complaint regarding a collection account that is currently being reported on my credit report that I believe to be inaccurate and improperly validated. A collection account from Transworld systems inc in the amount of {$590.00} is currently appearing on my credit report. I dispute the accuracy and validity of this alleged debt and request proper investigation and validation. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying this debt, such as a signed contract, original account statements, or documentation proving I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. 1692c, debt collectors must comply with consumer protections regarding communication and collection practices. Furthermore, under 15 U.S.C.…

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I am submitting this complaint regarding an attempt by XXXX to collect payment for services that were never provided. At the time the charges were originally billed, I disputed them directly with XXXX due to a complete lack of service. XXXX acknowledged that the service was not being provided and advised that a representative would follow up with me to resolve the issue. Despite multiple attempts on my part to obtain that followup, XXXX never contacted me again and never provided the service in question. Based on XXXX acknowledgment of the service failure and its commitment to follow up, I reasonably understood the matter to be unresolved but not valid for collection. No service was ever delivered, and no resolution discussion ever occurred despite my efforts. Now, approximately XXXX years later, XXXX or a third party acting on its behalf is attempting to collect on these same charges.…

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Request for Proof of Ownership, Authority to Collect, and Refund Transworld Systems Account To Whom It May Concern, This complaint concerns a collection account reported and previously collected by Transworld Systems , Inc. in connection with an alleged obligation attributed to XXXX XXXX XXXX University. A payment of {$200.00} was previously made to Transworld Systems under the belief that the company had lawful authority to collect the alleged debt. After reviewing applicable consumer protection laws, I am requesting verification of Transworld Systems legal authority to collect and report this account. Under federal law, a company attempting to collect a debt must possess competent evidence demonstrating ownership of the debt or lawful authority to collect it. Courts have consistently held that collectors must be able to prove a valid chain of title and their standing to collect. See : XXXX v. Portfolio Recovery Associates , LLC, 2013 WL 4511476 ( E.D.N.Y.…

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I am submitting this complaint regarding a debt associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which has been assigned to Transworld Systems , Inc. ( TSI ) for collection. The original debt was approximately {$6000.00}. Beginning in XX/XX/XXXX, the debt has been actively repaid through involuntary garnishment of my XXXX XXXX XXXX pay. These garnishments have been substantial, ranging between approximately 50 % to 75 % of my pay. As of my most recent XXXX XXXX and XXXX XXXX ( XXXX ) Leave and Earnings Statement, the remaining unpaid balance is {$270.00}. However, despite continuous payments being applied through XXXX, the third-party collection agency ( TSI ) is reporting a balance exceeding {$4200.00}. This represents a discrepancy of nearly {$4000.00} between the amount reflected by XXXX ( which is processing the payments ) and the amount being pursued by the collection agency.…

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