Transworld Systems or TSI is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them
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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Is Transworld Systems a scam?
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. Buzzfile estimates Transworld Systems Inc’s annual revenue at $ $1.0 billion and the size of its headquarters staff at 25 employees and 700 total employees across all locations.
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.”
Who does Transworld Systems collect for?
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. Transworld Systems’ 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.
How many complaints are there against Transworld Systems – TSI?
The BBB has posted a Notice of Government Action on the profile page for TSI. As of October 2021, the BBB has closed 533 complaints against Transworld Systems Inc in the preceding 3 years, with 252 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 36 complaints cited problems
Transworld Systems 2235 Mercury Way Ste 275 Santa Rosa, CA 95407-5413 Phone Number: 866-545-9191
Can Transworld Systems Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Transworld Systems 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!
in 2018, a proposed class action was filed against Transworld Systems Inc. alleging the debt collector falsely informed a consumer that his purported debt may increase. The man claims he received a collection letter from the company that listed his “current balance due” and indicated that the amount “may be periodically increased due to the addition of accrued interest or other charges.” The lawsuit argues that this statement is false and that the defendant was not authorized to “impose additional charges” on the plaintiff. The purpose of the defendant’s statements, the case alleges, was to provide a false “financial incentive” that would encourage the plaintiff to pay off his debt sooner and avoid paying a greater amount
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 Transworld Systems, 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.
Transworld Systems TSI Calling You?
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:
Stop Transworld Systems Debt Collection Harassment
“Thank you for all the work you’ve done on my behalf. I genuinely appreciate the blessing you have bestowed upon me. I didn’t realize I’d be getting any money from this wretched affair. I’m taken aback by what you have achieved in my behalf. This has proven better than I could have expected. I’m appreciative of your services and feel blessed. Thank you!”
“I could not believe it when my boss called me to his office and explained that he had been getting calls about me from collection agencies. OMG, I was so ashamed! Allow me to tell you how happy I am that I found you. Not only did you guys get the set calls to stop but you made them pay ME for calling my job. Seriously, I can’t thank you enough!”
“Know that you, Vlad, and your company did a fantastic thing. You took on a huge company for small people and righted a wrong. For this we are thankful.”
“When I first contacted Lemberg Law, I was at my wit’s end, not knowing what to do or how to protect myself against the collection agencies. I felt like I was sinking. After sending in my case evaluation, Lemberg Law quickly threw me a lifeline and turned the tide.”
Can You Help Me Delete Transworld Systems/TSI from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
Someone calls from tsi and I haven’t answered it what do I do now ?
TSI calls me several times a day all week and weekend long. They call early and late. I never answer the calls, they never leave a message. How can I make them stop? They are calling from 984-261-0570
ID theft, an account was opened in my name at 10 Cirro Energy on 1-9-2022. After looking at my credit report today, I now see that Tranworld Systems is recorded as my collection agency reported balance of $658. I filed a dispute with the credit bureau today. Nobody from either companys has contacted, I discovered the scam on my credit report.
I have an AAFES collections account that is approximately 22k. Original balance wzas 4200, and was last paid in December 2010.
I’ve given TSI 4 tax returns in the last 10 years, totalling about 5k. This includes my 2020 return, which included the first 2 stimulus payments, which are supposed to be protected from tops.
At this point, I’m seriously considering filing for bankruptcy, ch 7, and I am concerned that even if I discarge the TSI/AAFES debt, I’ll still have the beareau of fiscal mansgement from the treasury and TSI STILL TAKING MY TAX RETURNS THROUGH TOPS!
What’s the best way forward, guys?
Email me with any questions, comments, or concerns, advice, or…. ANSWERS! Lol please.
Hola mi caso es que ya en dos oportunidades han querido cobrarme una factura Nro. 795433 de fecha 10-01-2020 de Digestive Care por $55 la cual cancele y la pague el dia 10-29-2020 por tlf, Nro. Confirmacion 192850.
Posteriormente en fecha 02-08-2021 llamaron de la Agencia de TSI y hable con Norka Lugo me dijo que debia esa factura a lo cual refute corroborando que habia pagado ya esa factura y le di los datos ya indicados anteriormente, recien me acaba de llegar otra comunicacion de TSI TRansworld Systems Inc. indicando que debo esa factura nuevamente, que debo hacer denunciarlos ante Mercado de Salud?
Si yo no hubiese guardado esa factura y la informacion del pago quien sabe cuantas veces me las estarian cobrando.
I have received shady calls from TSI regarding Medical federal employer insurance that I was not aware that I had after I left and was no longer receiving a pay check. I was not given a chance to dispute this bill and they Garnish my paycheck without providing notice.
Got a call from them. They went to asking for my date of birth and last four of my social. Told them that I don’t give that out to people who call me. She then hung up on me. Add 615-922-6865 as one of the many numbers that Transworld Systems is calling from
I have no idea why they just started contacting me. Does anyone contacting on this website get any response or help from the law firm it represents?
Add (720) 780-8405 as a number for Transworld System Inc
I have no idea why I received a notice from this company!!! owing who??
I’ve never heard of this company, never received anything in the mail from them and the never called me but yet as of 3 weeks ago I getting funds garnished out of my check from them.
They took my stimulus too. Over a old military star card that doesn’t exist in the system. That card was charged off over 9 years ago and I had open disputes with them 10 years ago. I only receive social security and VA DIC once a month. I really needed my stimulus money. They are nothing but thieves.
I get called by this company more than several times a week for the past few YEARS since I got my phone. They ask for the previous owner. I have told them countless times that this is no longer her phone number and to please remove me from their list, yet they still call. It’s very frustrating.
My covid relief funds for myself and my child were siezed by TSI via the IRS TOP for a very old AAFES credit card that was charged off 15 years ago (and the account doesn’t exist with AAFES anymore) but recently activated for collections at 3 times the amount. Originally owed. As of this date their websites: IRS, and Treasury department state these funds will not be seized to pay off tax debt or federal debt yet are doing it anyway…Do I have any recourse?
I am a disabled veteran. I filed a chapter 11 bankruptcy and it was discharged 1 year ago. As part of my BK I had an exchange credit card that was discharged in the bankruptcy. I filed my taxes jointly with my wife who also had a exchange credit card(also discharged in the BK). The Tax return was seized by transworld systems inc, for a debt was discharged. They have an account open in collections which is illegal and it s accruing intrest and the amount owed $10,000.oo is double what I owed. And they call all hours of the day and night.
Transworld Systems Inc never called me. I’ve attempted to contact them in order to stop the garnishment process, agreed upon a set dollar amount only for them to still garnish over twenty times the amount we agreed on. I am now homeless and do not know where else to turn. Friends & family aren’t able to help at all due to their own financial hardships.
We have been getting recorded calls from this Transworld Systems just about every day, at least 3 times a day for the past month or so. The calls are all recordings from a Loren Von Gundy to call them back at number 866-858-6729. How do we get them to stop??????
I began receiving calls a few months ago from what appears on the caller ID as Mercantile Bank on my work line requesting to speak to a previous employee. I informed them that the employee no longer works here. I continued to receive calls from this number, which I ignored. I decided to answer to ask them again today (11/8/19) to ask them to stop calling as the ex-employee no longer works here. To my surprise, the representative asked for me. I was told that this is a personal business matter. I stated that if this was “a personal business matter,” then why are they calling on my work line? I then hung up. This raised flags for me as I have never had any business with Mercantile Bank. After Googling the number (410-237-6226), I found that this is number is Transworld Systems Inc posing as Mercantile Bank, which is a collection agency that is not in anyway affiliated with Mercantile Bank. They have been made aware that they are calling a state facility, but they continue to call any under the guise of a company that they are not affiliated with.
TSI has been calling 5+ times a DAY! Calling as late as 10pm from multiple numbers. I have blocked over 8+ numbers with them, I’ve even paid extra to a blocking service just to cut down the calls to 3 calls a day. I feel massively harassed, they also been sending tons of mail to my address, my boyfriend’s address, and put 3 things on my credit and threatening more. I don’t know what to do. I’ve tried telling them to stop, blocked the numbers as they come, and even changed my mailing address to a P.O. box. Needing help is an understatement!!!
Received a letter in mail from this company stating I owe $441.00. Collecting on behalf of Suntrust Bank. Advised them I did not have an acct with that bank. Stated I co-signed for someone and they were collecting on it. Didn’t get the name. Verified last 4 of ssn. They claimed that was the number the bank had. I told them until they can get a signed copy of the document from the bank not to call again. I don’t know if they will or not. But I’m certain if the bank give them a document it is forged. What can I do?
I’m constantly being called by transworld systems. All times of the day and at work which my boss said isn’t ok. Ive told them not to call my work and to stop harassing me they have yet to listen..
I have a garnishment coming out of my check. $176.55 per pay check. Up to date, I have paid $1,235.85. Transworld is stating that they have not received any payments and I still owe around #1,270. I was paid today and another $176.55 has been taken out. At this point, I have paid more that the debt that was owed. Nobody has been calling me back or can help me. The supervisor I was working with previously no longer works for their company
they will do anything to SCAM !!
Can they charge a fee for collection on top of what is owed? I am told that TSI is collecting 20%. I never agreed to this and the fee agreement is between the TSI and the company owed, so why do I need to pay the fee if legal?
Add (800) 816 – 5569 to the list. They called not long after I woke up this morning asking for my father, who is deceased as of some months ago this year. It took me several times asking who they were calling on behalf of before I was led to this page. If they were more forward, then perhaps they could have gotten a date of death and a request to send documentation of their debt collection claim.
Please add 813-444-4805. These people are relentless. They have even taken to calling me at work daily when I stopped answering my cell for any unknown number. I figure it has to be illegal to harass someone at work.
I have been receiving calls everyday twice a day sometimes from Trans World Systems for several weeks now. I assumed it was a scam or wrong number so I have been ignoring them. They leave messages instructing to call back Laran Von Gundi at 866-858-6729. They say they are a Dept collecting agency and will use all information they obtain for debt collections. That’s it, I know for certain I have no debt that would be in a position to be sent to a collection agency. I have never received any notice from any business that I was even behind on any payments. I don’t know who they are calling but when I got my home phone number on 9/30/17 I started getting dept collector calls, but they would mention a persons name I didn’t even know. After a while the calls stopped. Now this TWS is constantly calling everyday and from reading these reports I hesitate to call them back. I don’t know what I should do at this point I’m getting sick of the messages. Why do they not state the person they are trying to contact so you know if they are calling the correct number. Like I said it can’t be me I have no one that I owe an dept too. And have never received a notice from anyone about a delinquent payment.
I am CONSTANTLY getting phone calls from this company! I refuse to answer any of their scamming calls, they’re calling me numerous times of the day and I am sick of it. I have blocked the phone number and it shows the same number calling, I know a scam when they don’t leave message and constantly calling. Be careful and cautious, USE YOUR GOD GIVEN SENSE before answering the questions they ask you. Whatever you do, DO NOT SAY YES TO ANYTHING BECAUSE YOU ARE ON A RECORDED CALL. DO NOT GIVE THEM YOUR NAME, THEY CAN DO DAMAGE TO YOUR CREDIT AND STEAL ALL OF YOUR MONEY.
Synchrony Bank is who held my Military Star card account. AAFES has garnished my retirement wages randomly over the last 6 years. I legally changed my name and submitted my name change into the RAPIDS system and DFAS. AAFES has my SSAN and has been successful at garnishing my wages under TOP.They transferred the debt to TSI in Dallas TX and proceeded to call my father who has the same first name I previously held and they threatened him.
How can AAFES collect a debt via TOP that was under Synchrony Bank and then assign it to a private agency, TSI when they are collecting the funds for another non-government agency?
I keep getting phone calls from TSI. Transworld Systems Inc. I get phone calls everyday. The number is: +1 (877) 865-7686. I also get repeat harassment calls from a 369 area code. I block them and they keep calling back on different 369 area code numbers. They call up to 5+ times a day. Its gettig ridiculous. I told them to stop calling me, but they keep on! Im tired of all these harassing phone calls. Thanks!
Called twice yesterday on a sunday and the day before. Each time telling them the person is not at this number and to stop calling
Receiving multiple calls a day from different phone numbers robots most of the time. have blocked maybe 10+ of transworld phone numbers and have over 25+ robo voicemails saved in my inbox. The annoyance is high and starting to take time out of my days.
They called me yesterday for my father. How did they even get MY number. The girl was rude and said she would remove my number but refused to even give me her name and a good contact number for my father to call them back. “Its on your caller id” that’s not professional at all. Also, please add this number 866-858-6729
I have never heard of this company and I have no idea what they are talking about but I received a correspondence from them via phone stating that I owe 200.00 for a ticket that I don’t even know about or I have never laid eyes on and then the rep proceeded to tell me I needed to pay 200.00 immediately to avoid this from going on my credit. I never received a ticket I have no idea what they are talking about in fact, I wasn’t even given an opportunity to even dispute this so called mystery ticket.
They are calling multiple times a week from different #’s, and won’t give me any info regarding whom they are collecting for.
Add (850) 541-9423 and (313) 438-8516 to your phone list for TSI.
Just received a garnishment letter from Transworld systems or ADP, hard to tell from garnishment letter.
Letter says refer to this tracking number:
If this is from AAFES/Base Exchange, that was discharged on my Chap 7 in 2011. They STILL send bills with fees, interest & penalties. The Treasury Dept sent a threatening letter some time ago about seeking garnishment. This cant be legal since it was included in my Chap 7- Please help!
I have been receiving calls from Transworld Systems for a debt owed to the University of Washington Medical Center. I get robo calls from them and they appear to be using different outbound phone numbers with different area codes. I did call them back once and I spoke with someone that said that they didn’t have any information about me, even when I gave them a reference number. I then went to their website to request detailed statements about the amount that I owe but never received any statements from them.
Today, 12/12/2017, I called them again and when I told them that a prior representative didn’t have any information about me, the representaive seemed to chuckle when responding that “this was a trainee that probably didn’t know what he was doing”. I felt very uncomfortable with this response as the representative’s reaction was a way of saying “You’re lying”. I also requested that the documents and statements that I requested be either e-mailed of faxed to me as that is the best way to get invoices to me. They said that they don’t do e-mail or faxes and when I asked why, they said that they simply didn’t. They didn’t cite any privacy law (HIPPA) or anything else. At this point I lost my temper and told the representative to stop lying to me and to e-mail me the requested documents.
The conduct of this company is appalling and while they may be a legitimate agency, they behave like scammers. I will not pay them one red cent until they send me the documents via a method of my choice.