This article was written by Lemberg Law staff, and reviewed by Sergei Lemberg, the managing attorney of Lemberg Law.
Transworld Systems Inc or TSI is a third-party debt collection agency based in Northern California. TSI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before responding.
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They’re legit. According to the Better Business Bureau (BBB), Transworld Systems, Inc. was founded and incorporated in 1970.The BBB established a profile page for TSI in 1990.The BBB lists TSI as a collection agency. Manta estimates TSI’s annual revenue at $2.5 million to $5 million and the size of its headquarters staff at 20 to 49 employees.
According to its website, TSI “delivers unparalleled results by utilizing a proprietary predictive analytics platform that drives…next-generation recovery operations.” TSI “pairs… scale, sophistication, and debt collection expertise with the high-touch, client-centric approach of a boutique firm.” TSI states that it is “more than just a debt collection agency…and offers strategic end-to-end accounts receivable management and debt collection solutions.”
Transworld Systems collects delinquent debts for a variety of businesses and industries, including “Fortune 100 corporations, national and regional healthcare providers, financial institutions, state and federal government organizations, educational institutions, and small- and medium-sized businesses.” TSI’s accounts receivable management solutions consist of 3 divisions—pre-charge-off debt recovery; post-charge-off debt collection; and specialty solutions.
Transworld Systems’s pre-charge-off debt recovery division provides first-party collection services that include “friendly reminders of overdue payments to generate immediate results.” Their post-charge-off debt collection division provides both first- and third-party collections using “best-in-class technology with data-driven workflows to facilitate effective and compliant operations”; legal claims processing and attorney network services; bankruptcy processing and proof-of-claims services; and probate collections for the estates of deceased consumers.
TSI also provides business-to-business commercial collections and business process outsourcing services that include portfolio and agency management; consulting and optimization; loan servicing; and self-service debt collection. TSI’s Consumer Support page provides a partial list of federal and state consumer rights, along with links to the Federal Trade Commission website and the FDCPA.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has posted a Notice of Government Action on the profile page for TSI. As of September 2019, the BBB has closed 292 complaints against Transworld Systems Inc in the preceding 3 years, with 100 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 36 complaints cited problems with customer service, and an additional 4 complaints cited problems with advertising and sales. As of September 2014, the Consumer Financial Protection Bureau (CFPB) has closed 4,827 complaints involving TSI. Justia lists at least 20 cases of civil litigation involving TSI.
Actual Complaints Listed on the BBB website
“I contacted Transworld Systems regarding a fraud accounts that they are reporting to me credit i faxed over all information regarding the account and they company keeps telling me they never got the fax or that they are waiting for a validation letter from the original creditor i asked why they are requesting that when this account is fraud. This company has outsource their phone calls and nobody wants to transfer me to a supervisor so they can help me with my issue”
“I get calls from this company nearly every day and have for well over a year. They call from a bunch of different numbers, so I can’t even keep up with the blocks. They leave me messages directed toward someone else (not my name). I’ve called them back (or answered) multiple times and have told them they have the wrong number, please stop calling, but the calls continue. Very frustrating and I would like to see some sort of solution”
“These people constantly phone my home. One of them is an impossible fake debt for a woman they ask for, who has been dead for several years, and hence even if it was genuine is not only outside the statute of limitations. However no such debt was ever presented at her probate which was finalized by a Houston Judge. I am ignoring their threats completely. If it continues, I will take legal action. They also call for my wife, on a debt which is outside the statue of limitations
“When they are acting on behalf of the Department of Education, be sure to get both recorded and written documentation of EACH AND EVERY transaction/talk/discussion you have with them. Be sure you have clear and unambiguous understanding with the agent you speak with, and again make sure your documentation is clear and explicit, including recorded conversations. They’re recording you “for quality and training purposes” so you have every right to record them for “quality and accuracy in what they say” for when and if you need legal assistance in dealing with them. Don’t trust anything that is not in clear concise writing from them, and save all email communications from them. And for those of you who have non-educational debt they’re trying to collect, same thing, document with audio and written notes/statements everything you do with them. They will go back on their word in a New York pico-second, and you will have to catch them at it. Also if you’re not sure of whether or not the bill is indeed yours, THEY MUST PROVIDE AT THEIR EXPENSE, a letter explaining the origin of the debt. You would be wise to settle with the original creditor first. Also, get their physical address or an email you can write to in order to have them stop communicating with you except by US Mail. I strongly suggest the physical address and mailing that request with a Certified Return Receipt to a specified person. That way once the green card comes back and they call you…they’re in violation of the Fair Credit Reporting Act. You have signed proof for your lawyer. Long story short, don’t be afraid to ask them to validate your debt, don’t take any settlement agreement unless it is in writing, document every single transaction with them.”
2235 Mercury Way Ste 275
Santa Rosa, CA 95407-5413
Phone Number: 866-545-9191
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely TSI would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Complaint:
The BBB has posted the following Alert on the profile page of Transworld Systems Inc:
“Government Action, Case 2017-CFB-0018
“The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.
“On September 18, 2017, the business entered into a Consent Order with the Consumer Financial Protection Bureau (CFPB) prohibiting it from filing false or misleading legal documents, attempting to unlawfully collect or report negative credit information pertaining to invalid loan debts, and filing lawsuits on any loan an audit shows is unverified or invalid. Specifically, the CFPB took action against the debt collector for National Collegiate Student Loan Trusts for allegedly violating the Consumer Financial Protection Act by filing false affidavits and for pursuing collections lawsuits it could not have won if contested. It was further alleged that the company attempted to file lawsuits in order to collect on student loan debts that were either too old or unable to be verified.
“While not admitting any wrongdoing, guilt or violation of law, the settlement requires the company to pay a civil penalty in the amount of $2.5 million and an injunction requiring correction of the violations. It also requires an independent audit of all 800,000 student loans in the National Collegiate Student Loan Trusts’ portfolio. The Consent Order requires documents requiring notarization be properly notarized and to cease collection on the invalid loan debts.”
The case above was documented in a Consent Order by the Consumer Financial Protection Bureau in a federal administrative proceeding file dated September 18, 2017. The Order stated that the CFPB “reviewed the debt collections litigation practices of the Attorney Network business of TSI, the agent and Service Provider for 15 Delaware statutory trusts referred to as the National Collegiate Student Loan Trusts.” During their investigation, the CFPB “identified violations of Sections…of the Consumer Financial Protection Act (CFPA).” According to the CFPB, TSI “executed affidavits that falsely claimed personal knowledge of the account records and the consumer’s debt, and in many cases, personal knowledge of the chain of assignments establishing ownership of the loans.” In addition, TSI hired law firms to file lawsuits “without the documentation necessary to prove Trust ownership of the loans.” In addition to the $2.5 million fine, the CFPB also required TSI to undergo five years of forced compliance monitoring.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue TSI for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Consumers have reported this agency harassing them from the following numbers:
You may have a case, if…
- You are receiving multiple calls per week from third party collection agencies.
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your family, friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
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