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Business Profile

Collections Agencies

Transworld Systems, Inc

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Important information

  • Customer Complaint:
    Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 10 complaints handled through our conciliation process.

Complaints

This profile includes complaints for Transworld Systems, Inc's headquarters and its corporate-owned locations. To view all corporate locations, see

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Transworld Systems, Inc has 91 locations, listed below.

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    Customer Complaints Summary

    • 1,007 total complaints in the last 3 years.
    • 419 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/19/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My son received care from *********************** ********. We paid the $625.08 bill in full on August 2, 2023 and the check cleared our bank on August 9, 2023. ****** sent it to a debt collector, Transworld Systems around this same time. Despite being told every month that the bill has been paid, and filing a dispute every month, and providing a copy of the cleared check, and having ********************************* employees provide information to Transworld that the bill was paid in full, Transworld continues sending bills and insisting that we pay them. My son's credit score has been damages as a result. I believe Transworld is running a scam, hoping that the patients will simply pay. An elderly person probably would simply pay. This needs investigated and fixed. Not just for my son but for anyone Transworld is victimizing.

      Business Response

      Date: 12/22/2023

      December 22, 2023

      Dear *** *******:

      Transworld Systems Inc. (TSI) has received your letter relating to ***** ******’s complaint filed with the BBB serving Metro Washington DC and Eastern Pennsylvania. TSI has researched this matter and the findings are set forth below:

      Please be advised, TSI has closed the referenced accounts in our office. It is TSI's intent not to have any further communication with ***** ****** in reference to the above accounts, since ***** ****** is not the responsible consumer.

      TSI has not reported the above-referenced accounts on the consumer’s credit report. TSI cannot affect a change to how the creditor or any other company may have listed the 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. Thanking you for your cooperation, I remain,

      Very truly yours,

      TSI Consumer Affairs

    • Initial Complaint

      Date:12/12/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Tsi is saying that I owe $80 out of a $104.03 bill from Entergy. According to Entergy this should have never have gone to a debt collector because it was already paid and according to them they don't send to collections for anything that is not 6 months old so it doesn't make any sense. Entergy transfered over the $104.03 balance to a new account that was combined with first months electric bill which totalled $241.15. This bill was paid on 11/17/23. I don't know, and neither does Entergy, how they got my information. Entergy has reported this business as a scam. I will attach proof of payment.

      Business Response

      Date: 12/18/2023

      December 18, 2023 

      Dear ******** *******:

      Transworld Systems Inc. (TSI) has received your letter relating to ******* *****’s complaint filed with the Better Business Bureau. 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 the consumer regarding this matter. Please direct further inquiries to ******* ******** *** at **** ********* ***., New Orleans, LA *****.

      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

    • Initial Complaint

      Date:12/11/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      To whom it may concern. On 12/05/2023, I paid an amount of $161.72 to Transworld Communications INC. For a debt from *** **************.Confirmation Number:****** I was told by the supervisor I spoke to that I would recieve a receipt/letter proving the account has been closed within 72 hours. On 12/11/23 I spent over 3 hours on the phone with their company. Not one individual was willing or able to resolve my issue. I am 2 days away from becoming homeless in the home buying process because of this company. They are unwilling to provide a letter of deletion AND/OR to delete this collection account from my credit report. I need the letter of deletion emailed to my personal email. I need the account DELETED from their system and mt credit report, IMMEDIATELY in order to finish purchasing my home. This company needs to resolve this today. I can no longer give them any more time to NOT resolve the issue, and to tell me that nobody within their company can. I expect to receive an email by tomorrow morning providing documentation that the account has been deleted. Also, that the deletion of the account has been reported to the credit bureaus, NOT that its been paid, but deleted. And I expect to receive this within one day. I will be filing complaints with every other company that I can to ensure this issue does not continue to happen to other people. It's absolutely unacceptable.

      Business Response

      Date: 12/15/2023

      December 15, 2023

      Dear ******** *******:

      Transworld Systems Inc. (TSI) has received your letter relating to ******** ******’s complaint filed with the Better Business Bureau. TSI has researched this matter and the findings are set forth below:
      The above-referenced account is closed as resolved in TSI’s system. It is TSI’s intent to have no further communication with the consumer regarding this matter. Please direct further inquiries to *** ************** at ****** ********* ******** ****, Atlanta, GA *****.

      Enclosed please find a copy of an account payment history with our office for the above account.
      Should there be a discrepancy, kindly contact us.

      In addition, 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 report for the social security number listed in TSI’s records. 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.

      We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing the consumer’s 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 her comments have been thoroughly reviewed and have not been taken lightly. Should it be found that a representative violated TSI’s policies and procedures relating to the handling of this account, the representative will be disciplined and retrained regarding TSI’s policies and procedures.

      In the event that your office should forward this letter to the consumer: This is a communication from a debt collector.
      Calls to or from Transworld Systems Inc. may be monitored or recorded for quality assurance.

      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

    • Initial Complaint

      Date:12/07/2023

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I received a collection letter for several thousand dollars for a company I do not do business with or have an account with. I called the only phone number on the letter and answering machine said they arent taking calls.

      Business Response

      Date: 12/13/2023

      December 13, 2023

      Dear ******** *******:

      Transworld Systems Inc. (TSI) has received your letter relating to ******* ***’s complaint filed with the Better Business Bureau. TSI has researched this matter and the findings are set forth below:

      Please be advised that TSI 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 ******* ***’s in reference to the above account.

      TSI requested and has received validation information for ******* ***’s account. Enclosed is the validation information TSI received from the creditor that corresponds to the above-referenced account.

      For any further inquiries regarding the above-referenced account, please contact ***** ******** at ###-###-####.

      In addition, TSI has not reported the above-referenced account on your credit report. TSI cannot affect a change to how the creditor or any other company may have listed the account on your 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

      Customer Answer

      Date: 12/23/2023

      [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.]

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

      Regards,

      ******************

    • Initial Complaint

      Date:12/06/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On November 13,2023 I paid a collection account the debt was for ***. This company is still reporting collections and I’ve paid the balance. I called *** and they said that they haven’t been notified that this account is settled. I also disputed this collection for December with the credit bureau and TSI response what that I still owe. I have the receipt from my bank showing I paid. I called today December 6 th and was told by rep ****** that once paid they can’t locate my account. I was told that I would receive an emailed receipt and I never have.

      Business Response

      Date: 12/15/2023

      December 15, 2023

      Dear *** *******:

      Transworld Systems Inc. (TSI) has received your letter relating to Michelle Young’s complaint filed  with the Better Business Bureau serving Metro Washington DC & Eastern Pennsylvania. TSI has researched this matter and the findings are set forth below:

      TSI has closed the referenced account as paid with a discount in its system. It is TSI's intent to have no further communication with Michelle Young relating to this matter. Please direct further inquiries to *** ****** ****** ******* at **** ****** **., Irving, TX *****.

      Enclosed please find a copy of an account payment history with our office for the above account.

      Should there be a discrepancy, kindly contact us.

      We have taken the information the consumer has provided to us very seriously and appreciate your efforts in bringing her 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 her 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.

      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 to complete your investigation and close this matter.

      Very truly yours,
      TSI Consumer Affairs

    • Initial Complaint

      Date:12/05/2023

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I DO NOT OWE any money to ***********. I have called *********** and they assured me I do not owe a balance. I have called Transworld Systems Inc in regards to ******** which states I owe $289. I DO NOT owe any money. Please pick up the phone and call my supposed debtor. Remove from my credit report.

      Business Response

      Date: 12/12/2023

      December 12, 2023

      Dear ******** *******:

      Transworld Systems Inc. (TSI) has received your letter relating to **** ****’s complaint filed with the Better Business Bureau. 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 the consumer regarding this matter. Please direct further inquiries to *********** at *** *********** **., Monroe, LA *****.

      Please be advised 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 **** ****’s credit report for the social security number listed in TSI’s records. TSI 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 30 days, I will assume you have all information necessary to complete your investigation and close this matter.

      Very truly yours,
      TSI Consumer Affairs

    • Initial Complaint

      Date:12/04/2023

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Dear *********************************, CEO d/b/a TRANSWORLD SYSTEMS INC, (TSI) Your company is reporting an account that is a result of fraud & identity theft. TSI continues to try to extort monies from me when no monies are due. In actuality TSI owes me ME money. Month after month they continue to furnish negative information to the credit bureaus. I have no knowledge of account *********. I contacted TSI by way of Affidavit sent Certified Mail Return Receipt Requested with an Affidavit of Mailing by Notary Public. A copy of the Affidavit has been attached. You've obtained my information by way of Identity Theft pursuant to OCGA 16-9-121. You've included that information in my consumers' report in exchange for monetary compensation. Punishing me for the repayment of a alleged debt by furnishing nonpublic information without my consent to unauthorized third parties as a means to ruin my financial reputation is a violation of 18 USC 894. I've requested verification by way of Affidavit, which is to be sworn under penalty of perjury, so that I may have the opportunity to hold ************************************ & TSI liable for making false & unsubstantiated claims against me. You have failed to rebut the Affidavit point for point in a timely manner. In commerce an unrebutted Affidavit stands truth! Also in any court of law, ALL debt must be sworn to. No such documentation exists from TSI. Not to mention, of why we owed this amount, the 1099 OID & all other related tax documents for this alleged account have failed to be produced to me for my inspection. I've NEVER done business with TSI. Not sure who TSI is or how they got our information but due to lack of information and evidence of us owing that amount, I will like to say that this account is fraudulent and kindly ask to have TSI remove this account from their computer, books, and/or files & cease all collections activities. Please mail all responses to the Notary address provided herein. Thank you for giving this matter your immediate attention.

      Business Response

      Date: 12/18/2023

      December 18, 2023

      Dear *** *******:

      Transworld Systems Inc. (TSI) has received your letter relating to ******* *****’s complaint filed with the Better Business Bureau. 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 ******* ***** regarding this matter. For any further inquiries on the above-referenced account, please contact ******* ******* *** at ** **** ***** *** ****., ** #***, Atlanta, GA *****.

      TSI has contacted the credit bureaus, with which we do business, with its request to delete TSI’s listing of account ******** ***** on ******* *****’s credit report for the social security number listed in TSI’s records. TSI 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 30 days, I will assume you have all information necessary to complete your investigation and close this matter.

      Very truly yours,
      TSI Consumer Affairs

      Customer Answer

      Date: 12/23/2023

      [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.]

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

      Regards,

      ******************

    • Initial Complaint

      Date:12/04/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My insurance company experiencing issues with my insurance account where they had to change the type of account we were on at the end of 2022-2023. The insurance company changed our plan but did not adjust any of the future billing or charging procedures which would require them to notify our health care providers such as doctors and surgeons of changes. The insurance company did not notify the doctors until after the changes were made. This caused the providers push any bills that had already been approved and accepted by the insurance company to being "null". The insurance company has since fixed the occurrence that happened in their organization but yet to go any further and notify any health care providers of the incident so they can notify the collection agencies. I started automated receiving phone calls 3 times a day from the company "Transworld Systems Collection" regarding the incident in which we have made "Transworld Systems Collection" aware of the issue. The agent for "Transword" refused to note, refuse to listen or aknowledge what was going on or even note the situation. Since the start of the incident I have received 3 auto robot calls a day from "Transworld Systems Collection" regarding the same issue in which the agents refuse to note the account. At this juncture the local police department state the phone calls are defined as harassment due to shear number of calls being made and due to being a clinical error on behalf of another 3rd party. I am requesting the company "Transworld Systems Collection" to "cease and desist" any further contact due to actions of the agents who are at the call centers and refuse to provide a professional. Provide repair of any damages that may have been done to my credit due to the company "Transworld Systems Collection" failing to listen to what was happening.

      Business Response

      Date: 12/19/2023

      December 19, 2023

      Dear *** *******:

      Transworld Systems Inc. (TSI) has received your letter relating to ******* *****’ complaint filed with the BBB serving Metro Washington DC and Eastern Pennsylvania. TSI has researched this matter and the findings are set forth below:

      TSI requested and has received validation information for the above account. 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.

      TSI has placed the referenced account in a restrictive status to prevent further collection activity in our office. It is TSI's intent not to have any further communication with ******* ***** in reference to the above account. Please direct further inquiries to ****** ******* at ###-###-####.

      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.

      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 to complete your investigation and close this matter.

      Very truly yours,
      TSI Consumer Affairs

      Customer Answer

      Date: 01/02/2024

      Hi

      I just received this email about the BBB not receiving any contact from me and closed my complaint. I have NOT received any form of communication from the BBB besides the one I am replying to.

      Please re-OPEN my complaint.

      Thank you

      Business Response

      Date: 01/31/2024

      January 31, 2024

      Dear *** *******:

      Transworld Systems Inc. (TSI) has received your follow-up letter relating to ******* *****’ complaint filed with the BBB serving Metro Washington DC and Eastern Pennsylvania. TSI has researched this matter and the findings are set forth below:

      TSI requested and has received validation information for the above account. 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.

      TSI has placed the referenced account in a restrictive status to prevent further collection activity in our office. It is TSI's intent not to have any further communication with ******* ***** in reference to the above account. Please direct further inquiries to ****** ******* at ###-###-####.

      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.

      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 to complete your investigation and close this matter.

      Very truly yours,
      TSI Consumer Affairs

    • Initial Complaint

      Date:12/02/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      TSI Solutions has taken liberties with the slow moving wheels of our civil jurisprudence system. They customarily violate consumer protection laws knowing consumers will suffer adverse reporting while cases wait on lengthy dockets. Here, they are initiating collections efforts on a debt that has not passed yet from the original creditor. I settled the debt with the creditor, evidenced here, then awaited final invoice. The original creditor is **************** a ******************** TSI called my office twice, as if attempting to avoid my availability by disregarding my note of hours, then a third time on Saturday, 18-Nov. I thankfully answered and a highly disrespectful man insisted I validate information on a personal business matter. I did so knowing who it was. Then, abruptly, the man stated he would call back tomorrow without giving a reason. I asked if he could explain but the man hung up immediately. I acknowledged with *******, or ********, that a negotiated balance was due. I further agreed to remit. It should be noted that TSI has formerly attempted collection twice on fraudulent, time-barred debts for pay day loans proven to be both uncollectable and at least 1-2 years out of the statute of limitations. I had no knowledge of these accounts, they agreed to remove the accounts, then apologized. Yet 6 months later, TSI returned with a letter attempting again to collect. It would be prudent to note TSI has stated forthright their inability and unwillingness to comply with state law in writing. They are best known for exploiting tribal lenders under tribal jurisdictions and acting as purveyors of false compliance rules. I will absolutely not work with TSI as they are highly risky, unknowledgable in their trade, unsafe with sensitive data, and the subject of intense civil and potential Criminal conduct. Caution to *************** in future use.

      Business Response

      Date: 12/07/2023

      December 7, 2023

      Dear *** *******:

      Transworld Systems Inc. (TSI) has received your letter relating to ****** ****’s complaint filed with the Better Business Bureau serving Metro Washington DC and Eastern Pennsylvania. TSI has researched this matter and the findings are set forth below:

      Please be advised that account ******** **** is closed in TSI’s system. It is TSI’s intent to have no further communication with ****** **** regarding this matter. For any further questions regarding this account, please contact ******** ****** ******** at **** ****** ****, Suite ***, Houston, TX *****

      TSI has place account ******** **** in a restrictive status to prevent further collection activity in our office. It is TSI’s intent not to have any communication with ****** **** in reference to this account. 

      TSI requested and has received validation information for ****** ****’s account ******** ****. Enclosed is the validation information TSI received from the creditor that corresponds to account ******** ****. For any further questions regarding this account, please contact ******* ***** at (**** ********.

      Please advise ****** **** to complete the enclosed fraud packet for account ******** ****. He may return this to Transworld Systems Inc. (TSI) at P.O. Box *****, Wilmington, DE *****. In addition, ****** **** may go to **************** and fill out the required information. Once this has been completed, he may send a copy of the Identity Theft Report along with a police report to ******* ****** ****** ******** LLC via email at addressconfirmation@*******.com or by fax at 1-************.

      In the event that your office should forward this letter to the consumer: This is a communication from a debt collector.

      Calls to or from Transworld Systems Inc. may be monitored or recorded for quality assurance.

      Moreover, TSI has not reported the above-referenced accounts on ****** ****’s credit report. TSI cannot affect a change to how the creditor or any other company may have listed the accounts on ****** ****’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

    • Initial Complaint

      Date:11/26/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This dispute is in response to a collection that appeared WITHOUT prior notice and was placed on my credit report on November 23, 2023. This company has transgressed the legal tenets of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b). Transworld Systems Inc.'s claim remains disputed, and the organization has failed to offer proper validation. Still, because its offices report invalidated information to one of the three major Credit Bureaus (*******, ********, or **********). This action constituted fraud under both Federal and Ohio State Laws. Therefore, because a negative mark has been found on my credit report, Transworld Systems Inc. is in probable violation of the following: ? Violation of the Fair Credit Reporting Act ? Violation of the Fair Debt Collection Practices Act ? Defamation of Character ? Identity theft

      Business Response

      Date: 12/07/2023

      December 7, 2023

      Dear *** *******:

      Transworld Systems Inc. (TSI) has received your letter relating to ****** ******’s complaint filed with the Better Business Bureau serving Metro Washington DC and Eastern

      Pennsylvania. TSI has researched this matter and the findings are set forth below:

      Please be advised that Ohio does not have a debt collector licensing requirement.

      TSI requested and has received validation information for ******** *********’s account. Enclosed is the validation information relating to the above-referenced account. For any further questions regarding the above-referenced account, please contact *** ******* at ###-###-####.

      The account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor, or as otherwise provided by applicable law. 

      TSI has contacted the credit bureaus, with which we do business, with its request to place our listing of account ********- ***** on ******** *********’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 account on ******** *********’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

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