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Transworld Systems


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Collection Agency Chicken To Talk To Customers!
Posted by OhSteph on 08/19/2008
LOS ALTOS, CALIFORNIA -- We received a letter from Transworld Systems, a collection agency, telling us we owed $200.00 to Tivo. I was very upset knowing how much my husband protects what he considers to be "our pristine" credit record (sorry, he used to be in banking). All I know is our TV account is always up to date (it's an auto payment) so I assumed it must be some type of other unknown fee. I was going to call Tivo but remembered their long wait times so I decided to call Transworld instead.It was then that I realized they "conveniently" left their phone numberoff the letter! In addition, there was no email address, nor was the letter signed by anyone! It was clearly a one way communication, all on their side.The letter said to call Tivo, send the money or write them a letter showing you already sent payment. Unbelievable! I don't have time to sit down and write a letter about money I don't owe them or Tivo.

I decided to call Tivo at the only number the letter on the letter and it turned out to be Tivo technical support! They had to transfer me to customer service and I waited some more. Finally reach a c/s rep. I explained my situation. As hard as she tried, she couldn't find any record of us owing anything, she transferred me to a supervisor who said the same.They took all my information and said they woulf have accounting research it and get back to me. It's been two weeks and they never have gotten back to me.

I google Transworld and found a phone number for Transworld and called. They have a recording telling the caller to send a letter this address! I found a different number and it had a recording asking to input the name of the person you want, but of course, they don't give you any names on their letter so you can't even do that! Not only is it unprofessional (as if any collection is) but their just plain Chicken!

If they are too frightened to speak to the people they send letters to, they shouldn't be in the collections business. What a bunch of bullies and we all know bullies are really chickens in disguise.
They keep sending the same letter and it puts me in such a bad mood that I finally sat down and wrote a letter to both them and Tivo. I also let Transworld that we are reporting them to the District attorney in Santa Rosa and the other agencies that regulate them as I finish researching them.
I'm surprised Tivo would use such a company. I just don't love Tivo like I used to now
=(
Anyone else have a similiar problem with them? I'll let you know what happens with my letter. I found their fax number so I'm faxing it so I have a record of the correspondance since I doubt I will hear from them in person.
It's too small of an amount for them to have their goons call and harass us and two little to bother responding. I read that they only charge the copmany $10.00 to send a letter, I guess that's why they don't want to discuss anything with you. Something needs to be done with these. Unethical people!
     
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Posted by madconsumer on 2008-08-20:
"I don't have time to sit down and write a letter about money I don't owe them or Tivo."

but you had time to write this rhetorical.

Posted by Principissa on 2008-08-20:
You need to send Transworld a letter, sent certified/return receipt demanding proof of the debt. Inform them that they are only to contact you in writing. Call Tivo, and maybe send them a letter certified/return receipt as well questioning this debt. If your account is up to date and this was just a billing mistake make sure to send Transworld another letter demanding they cease and desist all contact with you. We have a member here named DebtorBasher. Please look at her profile as she has some helpful links on her blog page that will help you with this issue.
Posted by moneybags on 2008-08-20:
This may be a scam. No number, just an address, hmmmm? Kind of "send us yourmoney, you'll never know that we're really not TIVO." Kind of like the e-mails to confirm your online banking for a bank where you don't do business. Contact your DA and your State Attorney General.
Posted by bonniebeau on 2009-03-05:
Trans World Collection Agency is a bit nutty.....so here is the toll free number and give the girl your sphiel! Yeah, they tapped my checking account twice in two days! Trying to get the money back, sent copy of my bank statement. They are full of crap. So, here is to # 1-800-291-5892 Good luck!
Posted by morey on 2009-03-06:
I hae same problem with this company. I should pay 770 but they charge me 871.52 for intrest>? can they do this? I signed agreement with the dance club but with no any intrest charge, so why they charging me. They sent letter same as yours, nothing and ask to pay the $770....now is more? Please help me with this intrest question, can they do it?
Posted by HeatherC on 2009-08-21:
Transworld Systems does not handle your payment. The payment goe to the person the money is owed to. If you don't believe that you owe the money then contact the company (TIVO) and dispute it. They then have to provide proof of the debt to Transworld as they are the ones that say say you owe in the first place. If they can not provide proof then legally they have no claim to your money. If they can provide proof then you eithor dispute the service or you pay. Thats the way it works. But like I said, Transworld has nothing to do with the money, that is all the company such as TIVO.
Posted by Eloise on 2009-08-21:
Where's DB when we need her!
Posted by quadalupe on 2010-03-05:
If you dont owe the money then dont pay. Transworld can ding your credit. This is between you and Tivo - Tivo turned you in to Transworld, so you should be dealing with Tivo to resolve. Transworld is simply doing what Tivo hired them to do.

People who have nothing better to do than get bent out of shape about a $200 mistake kill me

Grow up
Posted by whompwhomp on 2010-05-19:
Here's some phone numbers for you pissed off people!
866-597-9502
866-301-7277
These are actual phone numbers to Transworld Systems!!! Maybe now you can get some issues resolved....
And just a piece of advice. When paying these collection agencies, do not give them your credit or debit card information. Send a cashier's check or money order. In the memo section write the account or reference number and the balance due (minus the payment you are making). IF they cash your check or money order, they are acknowledging that they agree to the balance due. And on your FINAL payment write the account number and "PAID IN FULL". Again, once they cash the check or money order, they are acknowledging that the account has been paid in full. Make sure you keep copies of any stubs so if necessary you can get a copy of the check or money order after it has been cashed to prove that they received the funds.
Just a tip from someone who has worked in collections before :) Good luck!
Posted by Mtarrant on 2011-04-13:
I work at Transworld, please allow me to explain a few things. We want you to stay in touch with the business you owe money too that's why we leave their # not ours. We handle disputes with our clients individually. If you're receiving one our letters, your credit hasn't been damaged. We're one of the few firms that don't hit your credit unless you've proven unresponsive.

Mistakes do happen, we're definitely not perfect. Sorry for any confusion. If you receive a letter first contact your business that issued it. If you're still having trouble feel free to call us at 707-236-3910.

Thanks!
Posted by James on 2011-06-02:
@WMtarrant. The number you give is a recording with no way to leave a message. Don't waste your time. There is no FAX or email contact available for consumers. They provide no way to communicate other than a PO Box number. If the business who hired them is being obnoxious, you're out of luck. You'll just have to change your number and dispute with the credit bureaus. At least they have working phone numbers and ways to file a dispute online. I seriously don't understand why anyone pays this company for collections. They do nothing useful.
Posted by DebtorBasher on 2011-06-02:
I'm thinking Mtarrant and James are a little late, this review was posted almost 2 years ago. But thanks for your input.
Posted by jeffrey step on 2011-12-13:
i think transworld and their robo calls suck i think that they are scam artist.i reported them
and changed my number.
Posted by trevor on 2013-02-01:
I have been on hold with Transworld System for 7 hours now! The only break is when the system broke in after the first 2 hours to tell me that they were closed @ 1230 pm central time, everything in all time zones I am pretty sure are operational at that time. My advice to anyone thinking of useing this firm for there collections would be you could have had your money who ever you are 2 days ago if these people would have answered the phone the first time I called. The first day I called it was a 3 hour wait then the system told me that they were closed. Uhmm doesnt there web site claim 24/7 collections. I have not received a letter just saw it on my credit report trying to clean it up. So customer first no letter then no answer on the phone equals no money for you plus the bill for their service but I am sure they are telling you they are doing the best that they can to collect this debt.
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Hostile Collection Person
Posted by on 11/27/2001
PENNSYLVANIA -- I was called at 5:30 pm eastern time in regards to a debt I owe and the man that called continued to cuss and scream at my 9 year old son and then he used much profanity and degrading talk when my son put me on the phone He screamed at me for 10 minutes and said that I needed to pay my bill instead of having F#*%#ing babies!! and that I was pathetic and a loser! Also he used much profanity and screaming in his efforts to get me to pay my bill. I have him on tape and will use this to press charges against him and your company if anyone from your company ever calls my home or place of employment again. This type of action is totally against my rights and I have already spoken to my Attorney so I know what is legal and what is not in regards to fair debt collection. This action is clearly not legal and your company needs to be aware of the type of people you have working for you. I have already informed the place that hired you and am awaiting a response from them. I will handle this debt through them only and no longer will I take any kind of abuse from your company again I suggest you never call me again or your company WILL hear from my Attorney!!!

At the very least I would like a response from your company regarding this incident. Thank you for your time.
     
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Posted by Anonymous on 2002-01-02:
Although collectors can and will use strong arm scripts to collect debts, it is illegal to use profanity and threats. You do have a case for suit, however, be careful as it is also illegal to tape a phone conversation without telling the other party up front that you are doing so.
Posted by Anonymous on 2002-04-12:
Check your laws Gerald regarding taping of conversations. It depends what state your are in if you need one party or two party consent.
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Uncalled For
Posted by Bnretro on 12/18/2008
COUNCIL BLUFFS, IOWA -- Where to begin...Today at 1:14 I received a call from a debt collector from transworld I did receive a bill from them and the amount they were asking for was not the same amount that the bill stated. Okay now here is the part that really bothers me the man who called said that I needed to get the matter taken care of I told him that I was not able to since it was the holidays and I have one child who is in and out of the hospital for medical problems he then began to badger me and say that it did not matter and I had to pay now I told him "sir, you can't get blood out of a rock I cannot pay you the whole thing right at this moment". He then said in a very rude snide tone fine, we will pursue this matter by other means, and hung up on me I did not think that he was very professional and I was not done speaking to him since I was trying to tell him I could make about 1/2 the payment not the whole thing so I called back and asked to speak to a supervisor, when he got on the phone he was rude, vulgar and he kept interrupting me. He told me I should not have incurred the bill I told him my son was sick and he needed the medical help or he could have possibly died, the supervisor said I don't care and I asked him if he had any children and he said, "yes actually I do, would you like some wine for your cheese"? So I told him all I was trying to do was let them know that I was going to make a payment but not in the whole amount since I was not able to and he told me to quit being a baby and they do not accept payments.

At that point my wife took the phone I am not a rude person and choose not to be rude back but sometimes bullies like that will not listen to reason. She told him that she had worked claims for 10 years and that was not professional and he said whoopty dooh I am scared she then told him if he was going to talk like that to hang up. All I can say is I am shocked that anybody would let someone talk to customers like that especially when some have sick kids and there seems to be no light ahead for a while. I will not deal with them in any matters and I am taking them to the bbb.
     
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Posted by Anonymous on 2008-12-18:
You need to send them a registered cease and desist letter. Additionally, there seems to be some violations of federal law here. Take a look at Bebtor Basher's blog on here, she has some great tips as well as links to sites that will give you sample letters.
Posted by jktshff1 on 2008-12-18:
Here is the link to the Genral's (Debtor Basher's) blog.
You are right, she has some good info there.

http://www.my3cents.com/userBlog.cgi?id=4084
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Transworld Systems Complaint
Posted by HE2 on 08/10/2009
SANTA ROSA -- Today I got a call from someone at Transworld Systems. They had been trying to reach me for a few weeks and I had been having a tough timing taking even personal/family calls because I had been so busy with a project. I have been working to dig out of a job loss back in 2007. With four little kids and a high unemployment rate in Florida, I have been working overtime to make things work.

The lady from Transworld seemed nice enough in her messages so I had saved her message to call her back as she seemed like maybe she was different--like she might actually want to talk and work something out with me (payment plan or whatever). But things changed radically as soon as she got me on the phone.

The first words she said were carefully worded to make me thing she was a lawyer or at least that this was a legal matter. She used words like "claim against you" and "legal matter" (or something very close to that) and other things that were open in meaning and could make me think maybe she was an attorney. So I simply asked her, "are you an attorney?"

That must be the not-so-magic word, because she started talking to me like I was her bad little four year old from that point on. "You don't ask the questions..." she says.

Literally, from that point, every time I said anything at all, she made it her business to cut me off. Every time! It was as if she was *trying* to enrage me as part of her plan somehow.

She went on and on about how I'm the bad guy for ever having a debt in the first place and what a bad guy I am, etc., etc. It was absolutely infuriating. Lots of negation of me (making less of me) as a person. No doubt this works for some people but it just makes me want to fight back.

If I said anything at all, she turned it around to make me look like a complete loser. And yet she knows nothing about me except that I was not returning her calls. But then she _got_ me on the phone (boy I'll never make that mistake again!). So you think she'd engage in a dialogue with me to _understand_ my situation and thus work out a way to collect in a way I can do. If I could "pay in full" (the "only acceptable respose" she says to me), I would have done it already! It's not like I'm talking to her from my suite at Disneyworld.

She didn't know that I had saved her message so I could call her back, or that I lost my job in '07 and have clawed my way back from unemployment to having to start my own business that is not making me rich yet, but is paying the basics like groceries, or that I refuse to file bankruptcy because it's my complete and full intention to pay all my debts in full. She doesn't know anything about me. She just assumed that I'm scum of the Earth for a)having a debt and b) not returning her initial calls (and I knew it was probably her when I picked up the call today because I manage my caller ID situation very well). The only answer she would accept is "here is payment in full."

Why would anyone ever want to speak to someone like that? And what's more, why incur legal fees and other expenses by extending the time it takes to get something done by actively enraging your callers? All people need is some common decency and respect and most of them would probably work something out.

Do the folks who run Transworld Systems not read the papers? 500,000 people a month have been losing their jobs for the last year and a half. I didn't stop paying my debts because I didn't want to. I stopped paying because I *couldn't* temporarily and because my children had to eat. And I *was* (contrary to the implication by the Transworld caller) taking calls from creditors and collectors, right up to the point where they started getting nasty.

Further, I settled a $30,000 credit card debt and have gotten other credit situations back on track with some payments. So my intentions and statistics show that I'm working things out with creditors. But I won't be spoken to this way by anyone regardless of their supposed justification for doing so.

Collectors like these folks base their whole operation on the idea that the only way is to beat money out of people. That they will just harass until you pay. They are just legalized mafia as far as I'm concernd--based on the way their people treat others.

The real travesty of it all is that I would probably have given her some money today. But I can't abide by people who knowingly mislead others treat others like dirt under their feet. It's just not right.
     
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Posted by Anonymous on 2009-08-10:
Congratulations for taking a stand against those idiots. I also congratulate you for getting back on your feet and paying off old debts. Did that person ever tell you the source of the debt? Lots of these agencies purchase old debt and never bother to see if they were ever paid off or written off. You could have been called about a debt already settled.
Posted by Diabolical on 2009-09-13:
Good for you! Don't let their words get to you. In one way, debt is just a number (a very serious and crippling number, but still, a number). Clearly, you are a very capable and strong person judging from your triumphs and achievements. You know who you are. That's all that matters!
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Small Business Bullied by TWI
Posted by Jhk on 03/08/2011
CALIFORNIA -- TWI sued my business (Monterey) for $250 in Rohnert Park with some hack lawyer. Wasn't worth traveling 200 miles to fight. They got judgment, had Monterey sheriff enforce it. Despite the fact that a business is not normally allowed to sue out of the defendant's jurisdiction. TWI employees are busy answering all the internet complaints, saying "You should have read the contract", which TWI composed, and presumably voids this legal right.

I'm glad their reputation is being exposed here and all over the internet. They never pursued true deadbeats with such aggressiveness.
     
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Posted by leet60 on 2011-03-08:
Jurisdiction generally addresses the state of residence of the individual party and or business. In many contracts you agree to that the agreement is enforceable in a certain jurisdiction. If you did not elect to defend yourself it puts the onus on you as the party being sued.
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Harassing Phone Calls
Posted by Mkm on 04/11/2009
SPRINGFIELD, MINNESOTA -- They keep calling, asking for my daughter, she is in college, her legal address is still our home address, and they will not give me any information, which I understand the privacy issue. I have asked them several times to mail out what they are inquiring about. He even tried to scare me and asked if my daughter had a lawyer!! I spoke to his supervisor and he said they should of never said that. They want my daughter to call them, and I said she will not, until they send a letter inquiring about she should call them about. They have refused to send a letter. I have ran her credit, she has no outstanding bills, nothing in collections. I have tried to get them to verify they have the right person. They will not, and I will not give them her number. They call during the day when no one is home and leave a message and I refuse to call back. Who are these people??? Can anyone help me determine how I can get this to stop?

Maybe I do need a lawyer? I'm assuming it has to do with an unpaid bill, so we should of gotten something in the mail correct?? If anyone can help me please do!
     
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Posted by Soaring Consumer on 2009-04-11:
Send them a letter in certified mail requesting information pertaining to this so-called debt and that that they cease and desist contacting you.
Posted by RestaurantGuy on 2009-04-12:
Contact your daughter and have HER send the letter to them asking for verification of the debt. Since the debt is not yours, if you send a letter it will do no good. Have her also state that all contact be through writing. There is a member named Debtor Basher that has a blog here that you can find a link to all of the letters that your daughter will need. This has got to come from her as the debt is hers not yours. Good luck
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Irritating Calls
Posted by Shully on 03/16/2009
Transworld Systems calls about 4 times a week from 8:30 AM to 9:30 PM including Saturdays and Sunday. With a recording that they are attempting to collect a Dept. We have not had a credit card since 1989. We have no personal dept other than a car payment and a mortgage everything is cash.

I refuse to play their silly game of collection so I simply Hang up when I hear the pause in the phone. This is the best way I have found to deal with them.

Ken
     
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Posted by Anonymous on 2009-03-16:
Send them a cease and desist in writing. By law, they have to stop contacting you if you have done that.
Posted by jktshff1 on 2009-03-16:
This may help, it's a drop dead letter.
By federal law, the agency CANNOT contact you anymore if you send them THIS letter. If it does continue to harass you, it will be subject to civil lawsuit and penalties.

Just fill in the blanks:

(DATE)

(NAME OF AGENCY)
(ADDRESS OF AGENCY)
(CITY, STATE, ZIPCODE)

TO WHOM IT MAY CONCERN:

Under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq., this letter serves notice that you CEASE & DESIST any further contact with me in regards to the billing of (ACCOUNT NUMBER).

I do not owe the debt in connection with that account. Let it be understood that any further contact from you regarding this account will result in legal action.

Sincerely,


(YOUR NAME … INCLUDE SIGNATURE ABOVE)
Posted by tnchuck100 on 2009-03-16:
jkt has some good information there. I would recommend leaving your printed name only. Not your actual signature. Some of the bottom feeding collection agencies have been know to extract your signature and use it on a fraudulent document.

Additionally, send this letter by certified mail/return receipt requested.
Posted by Anonymous on 2009-03-16:
Excellent advice jkt and chuck! Scan a signature and then paste it onto something acknowledging the debt is seldom questioned. Few courts will ask for an original signature.
Posted by Anonymous on 2009-03-16:
A very simple solution for any annoying calls (especially the cretins who ignore the Do Not Call list), is a telephone with blocking capabilities. When you get one annoying call, you can block the number (so long as it appears on caller ID). Panasonic and others make these...$39-89.
Posted by Ponie on 2009-03-16:
I agree with all the suggestions listed here. However, I find it disturbing that WE as the persons who do not owe the debt have to go through the time, trouble, and expense sending the letters to get these leeches off our backs. It's in cases like this that I agree with the oft used expression 'there oughtta be a law!'
Posted by Anonymous on 2009-03-16:
I agree Ponie. But our congress-critters, bought and paid for with banking and lending lobby contributions, know who their constituency is...the people who write the checks. The rest of us can go pound salt up our tukkes.
Posted by bargod on 2009-03-16:
Two words to stop the calls. Air horn.
Posted by Anonymous on 2009-03-16:
Have you actually talked to anyone at Transworld about this supposed debt of yours? Your post doesn't say..only that you're hanging up on them.
If it were me I'd want to know a little more information before I sent the cease and desist letter..this could be a case of identity theft/mistaken identity/a debt from long ago that you'd forgotten about that was recently sold and re-opened/or a number of other things like simply a wrong number on file.
Posted by Ponie on 2009-03-16:
Good point, justbcuz. But since the poster says they've not had a credit card for 20 years, isn't there a statute of limitations on collection attempts? Of course, I'm 'assuming' it's collection of a credit card debt. It might well be something else we're unaware of.
Posted by BokiBean on 2009-03-16:
LOL@air horn
Posted by Anonymous on 2009-03-16:
You're assumption is probably right, Ponie. ;)
Posted by tnchuck100 on 2009-03-16:
Just for the record there is no statute of limitations on attempting to collect a debt. The statute of limitations applies only to the ability to use the legal system for debt collection. These scum bags can ATTEMPT to collect till the cows come home.
Posted by Anonymous on 2009-03-16:
Acknowledging the calls can be risky. A lot of collection calls are old or 'flawed' debts the agency bought for pennies on the dollar. There are a LOT of people who are worn down by the tactics of the worst of an almost entirely dishonorable profession. Chuck is right, they will ATTEMPT to collect forever on these old accounts. But, their ability to use the legal system to do so ends according to the statute of limitations...few people know that.
Posted by Shully on 2009-03-16:
Your points are well taken and very helpful. Thank you All. I had gone bankrupt in 1989 and all dept's were cleared. It was then I decided no more Cards, everything cash, If I cannot afford it, I don't by it. On to your other question; No I have not talked to anybody, this happened just the other month With another company CIS I believe. The person tried to get me to believe he was an attorney. I called him a buffoon and a jack a#% and told him to mail me something, He called again close to a week latter about the same thing. "so you’re the A$& that thinks you’re an attorney? GET OFF MY PHONE" never heard from him again. Figured this was the same. You are right though, I should try to get some information from them. And I will, just not @ 9:30 PM. Again many thanks
Shully
Posted by Anonymous on 2009-03-16:
Even fewer people know that the SOL (statute of limitations) is an affirmative defense. A creditor/collector can still sue for a debt well past the statute of limitations and can even obtain a judgment. The SOL only becomes relevant if it is used as an affirmative defense in the respondent's answer. Fine point I know but I've seen collectors get default judgments for debts way past the SOL. Just a little Monday FYI.
Posted by Anonymous on 2009-03-16:
Best of luck Shully, in getting this straightened out. And remember, don't give them any of your personal information. If this debt is truly yours, they'll already have that info. Some collection agencies that are 'fishing' will ask that you 'verify' your SSN or DOB to see that it matches their records..don't fall for it.

If they insist this debt is yours, tell them to send you something in writing that you can investigate and that you will get back to them.
Posted by CrazyRedHead on 2009-03-17:
Air horn won't do any good if it is a recording.
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Harassing Collectors
Posted by Bchristian on 11/16/2007
I have received many calls from the company, Transword Systems, to begin with they will not call and show the number that they call from, they are a private name and number, which is a start to why I will not answer calls. Second, the rude, hateful messages that were left on my machine were completely uncalled for.
I called back in to deal with the matter and relay to them that payments were being made, and was informed that the balance they had was not the same as mine, that no payments had been received and that they were taking all my information on the matter.

The person was rude, basically called me a liar and would not accept the terms that I stated as payment.

I will not continue to be harassed by them and will report them to the Better Business Bureau. This type of behavior from your company needs to come to a stop.
     
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Posted by yoke on 2007-11-16:
Some debt collectors are pretty rude. We have been having a problem with a debt collector for a person we have no idea who she is. We have had this number since 2001. Lately we have been getting these phone messages saying this message is for (persons name), if this is not (persons name) hang up immediately as you are not authorized to listen to this message. Hello, you are calling my home and leaving a message on my machine. Don't tell me I can't listen to my messages. I don't bother to call these places back since I at one point did and have figured out that these debts are being sold from one idiot to another and the last idiot did not bother to change the info when I gave it to them.
Posted by FoggyOne on 2007-11-16:
It sounds like you owe this debt. Ask there where you send proof you are making payments and send them copies of the canceled checks. And it is not up to you to make the conditions of payment - your entire debt is due immediately unless they agree to payments.
Posted by Principissa on 2007-11-16:
I think you have every right to be upset. You admit you owe this debt, you are making every effort to pay it off, and now they don't believe that your payments are being made. Where are you sending the payments to? Are you sending them to the original debtor or the collection agency? Can you get copies of canceled checks or statements that show that the payments were made and cleared through your account? I would call around and see what you can do to clear this up before it starts to get worse.
Posted by Suusan B. on 2007-11-16:
Who are you making your payments to? If it is the original creditor then that may be your problem. Once an account is turned over to a collection agency then they own it and all payments need to be made to them.
Posted by Principissa on 2007-11-16:
Suusan you bring up a valid point. If the original creditor is still allowing them to make payments to them and not the collection agency that could be where the problem is. They should not be accepting payment at all. And if they are they need to report that to the collection agency and let them know to properly credit this person's account.
Posted by ExTSIRep on 2008-04-26:
As a former account representative (and a non too happy one at that), bchristian's complaint is hard to believe. Maybe he/she is from a competitor (collections is a "cut throat" business).

From an operational standpoint, I know exactly how TSI works. First, they do not make phone calls. All they do is send out carefully worded letters that dun the debtor to pay up. These letters are increasingly strongly worded, but are carefully prepared to avoid being legally threatening. This is done through a mail facility in Long Island, NY.

TSI never makes phone calls. If the lack of payment gets so late, then these are handed off to OSI (a partner firm of TSI) or are dropped altoghether (depending upon the client's preferences).

While I may have a gripe or three about TSI from an employee standpoint, I know exactly how they work. Perhaps bchristian is confused specifically who is calling him or her re. the debt. Let's be fair!
Posted by Anonymous on 2008-04-26:
Everyone is protected under the FDCPA law. It is against the law for collectors to be harrassing. But, many people do not know about the FDCPA laws. I suggest looking it up online to see what your rights as a consumer are.
Posted by Bnretro on 2013-07-16:
BS TSI doesn't make calls. Maybe they didn't at one time. I know for a fact that they do, their amounts were wrong and they were extremely rude. I reported them to the BBB I was behind on a bill due to medical bills piling up, our son was having a TPIAT and he was in and out of the Hospital. I don't have Medicaid or any other assistance so it was all out of pocket after insurance was done. However, when you take a kid to the hospital at least 9 times a month and then move to another state for 4 months pay the mortgage and other bills at your home while you are staying else where things can get a little upside down. TSI was very rude and I offered to pay them 1/2 right then. They were rude and it was unresolved. We went to court and I payed them then. It could have all been resolved but, they hung up on me I couldn't call them back. Shoddy people skills and training. You arguments are not valid to me if you stand up for them. It was BS I was not mistaken or dillusional the person was in the wrong and the judge saw it in my favor. I paid the debt but, was not punished by it on my credit per court order. JUSTICE.
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