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Updated on Author: Contributor: Sergei Lemberg

Is Transworld Systems, Inc Calling You?

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In November 2015 the Federal Trade Commission, in conjunction with other federal and state agencies, confirmed that charges were being brought against debt collectors all across the nation for allegedly using unethical and abusive debt collection practices.

It’s confirmation that a widespread problem exists, and more consumers need to know what to do if it happens to them.

Is Transworld Systems legit?

Transworld Systems is a legitimate business, and its collections practices should be taken seriously. Transworld Systems was established in 1970 and opened its BBB file in 1990. The BBB has not accredited Transworld Systems, however the company has received an A+ rating from the BBB. Zoominfo estimates that Transworld Systems has an annual revenue of $931 million, and an employee base of 2,400. 

According to its website, Transworld Systems is “redefining innovation across ARM, debt collection, BPO and CRM—every day. With market leading proprietary collection analytics and algorithms, digital collections, omni-channel communications, and global scale, [they] are the hub for maximizing operational success.” 

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Who does Transworld Systems collect for?

Transworld Systems specializes in first party ARM, third party collections, loan servicing, legal collections, and bankruptcy. Transworld Systems collects 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.”

Transworld Systems attributes its success to its people, proprietary predictive analytics, compliance discipline, and superior site solutions. Transworld Systems states that “Our experience expands across accounts receivable management, customer relationship management, business process outsourcing, debt collections and loan servicing solutions.”

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How many complaints are there against Transworld Systems?

The BBB notes that Transworld Systems has had 657 complaints closed in the last 3 years, 216 of which were closed in the last 12 months. The majority of the complaints posted on Transworld Systems’ BBB page allege that the debt Transworld Systems is attempting to collect on is fraudulent, or that the consumers are not liable for the debt alleged.

Additionally, Transworld Systems has received 55 Google Reviews amounting to a 1.4 star rating. Lastly, the BBB has posted a Notice of Government Action on the profile page for TSI.

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Alleged Violations against Transworld Systems Inc.

James Jones vs. Transworld Systems Inc.

According to Transworld, in early 2014, Illinois resident James Jones, who was disabled with limited assets and income, sought the assistance of the legal aid attorneys at the Chicago Legal Clinic’s LASPD program because Transworld Systems Inc. had been attempting to collect a medical debt he was unable to pay.

On March 11, 2014, one of Mr. Jones’s attorneys at LASPD informed Transworld Systems Inc. in writing that Mr. Jones was represented by counsel. The letter directed the company to cease contacting him and to cease all further collection activities because Mr. Jones was forced, by his financial circumstances, to refuse to pay his unsecured debts.

Nonetheless, Transworld Systems Inc. allegedly continued to call Mr. Jones directly. This forced Mr. Jones’ LASPD attorneys to again write to the agency to demand that it cease communications and cease collection of the debt. When the calls allegedly continued, Mr. Jones and his attorney sued Transworld Systems Inc. for the following alleged FDCPA violations:

  • Communicating with him after a direction to cease communications
  • Continuing to demand payment of the debt after he refused to pay
  • Communicating with him while knowing that he was represented by an attorney with respect to the debt

The matter was later dismissed.

*Case taken from PACER (www.pacer.gov). File number is 1:14-cv-02276 from United States District Court, Northern District of Illinois, Eastern Division

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Transworld Systems Contact information

Address: 500 Virginia Dr Ste 514 Ft Washington, PA 19034-2707

Telephone: (877) 865-7686

Website: https://tsico.com/

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Can Transworld Systems sue me or garnish my wages?

Yes, Transworld Systems can sue you or garnish your wages but they may not do so without a legitimate reason. It would be illegal for a collections company to sue you for illegitimate debt. Though this practice is illegal, debt collectors are still known to summon debtors to court and garnish their wages, even without a legitimate claim to do so. Seeing as there is a risk of being sued by a collections company or having your wages garnished, it is wisest to contact an attorney if you find yourself at risk.

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Can I sue Transworld Systems for harassment?

Yes you can sue Transworld Systems if they are harassing you. Suing is the best course of action if Transworld Systems has violated your rights as it can allow you to recover money as compensation from the collection company’s wrongdoings.

There are federal laws that protect you from illegal collections practices. The Fair Debt Collections Practices Act (FDCPA) protects consumers like you, awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. Take advantage of the FDCPA and enforce your rights by suing Transworld Systems, if they have been harassing you.

 

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How often can Transworld Systems Call?

Transworld Systems can call you but only within federally regulated guidelines. Recently, in November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt

  • More than seven times within a seven-day period, or
  • Within seven days after engaging in a telephone conversation with you about the particular debt

While actions within the CFB’s Debt Collection Rule are illegal, it is also illegal for a collector to utilize phone calls to harass, oppress, or abuse consumers.

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How to stop Transworld Systems calls?

Federal laws can help you. You can stop Transworld Systems from calling by filing a complaint and obtaining assistance from an attorney. More specifically, the Fair Debt Collections Practices Act (FDCPA) provides consumers protection from improper collections practices 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. Consumers are also protected under the FCRA and the Telephone Consumer Protection Act (TCPA), as well as the Consumer Financial Protection Act (CFPA). 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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Does Transworld Systems hurt my credit score?

Transworld Systems can hurt your credit score, but you can prevent this harm from occurring by contacting an attorney. Even if Transworld Systems has contacted you regarding an alleged outstanding debt or has already reported the alleged debt to a credit bureau, you can still remove the credit report made by obtaining legal assistance.

 

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Transworld Systems Inc., or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributor: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

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