Consumer complaint received 2020-02-18
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In 2015  I was involved in an accident where I needed to seek emergency medical attention. I went to a med express facility to receive quick treatment. I was fully covered by XXXX insurance at the time and paid my co-pay and was told there were no other costs. I was never contacted by XXXX after that. I had even visited the location and other locations a few times after that and was never notified that I had a debt. I have just opened a credit reporting service account and was made aware that there was a XXXX dollar OPEN collections on my credit report. This is from the 2015   incident. I contacted the collector, TRANSWORLD, and simply asked that it be closed and it be removed from my credit score as I never owned that money. The woman said absolutely but she did want to let me know that there was another account in collections for {$19.00}. I told her I was upset because I was never contacted about it but it was {$20.00} and I would pay it quickly and be off the phone with her. She placed me on a long hold while she spoke to her supervisor and when she came back she told me that she had re-opened and reinstated the debt for {$190.00} from 2015  though it was closed and I was never made aware that this even existed. I told her that I was never made aware of this debt never contacted and I did not show it. I was very clear. She said that it is not their job to keep up with my address changes and it is my fault if I dont see that I owe a credit or something. I asked if I could have more information like where I was treated the doctor I had seen or any of that and she insisted that I cant. She again put me on hold and when she came back she said that she could give me the date I was treated and the doctors last name but that was all. I told her I do not owe this this should have just been closed and she kept saying she had to open it and tie it to that debt so it gets paid. She again put me on hold and when she came back she said that she could give me the date I was treated and the doctors last name but that was all. I told her I do not owe this this should have just been closed and she kept saying she had to open it and tie it to that debt so it gets paid. 
I said Im not going to pay it and I will talk to XXXX and see what they have to say and I asked her though why wouldnt I have been contacted if I owe this debt? I should have been phoned, emailed, or written about this. She said she had no answer for me. I insisted on getting an answer as to why I was never contacted. I said, if I never opened this credit monitoring account and if I never called into investigate that this would be a pending collection since 2015 for the rest of my life? And be affecting my credit score for the rest of my life? She then gave me credit score advice which I dont believe she is legally allowed to do And basically said maybe if I had been monitoring my credit score closer that this wouldnt have gone missed. I contacted XXXX and they said that Bill had been settled XX/XX/2015 and they had been notified that it had been paid on XX/XX/2015. So this is just been a XXXX open balance on my credit score since XX/XX/2015. That is unacceptable. My credit score has been affected now for five years without my knowledge and wrongfully. Not to mention the level of unprofessionalism and disrespect that I experienced when trying to get this solved is unmatched by and Ive had before. The woman and her supervisor whose names I have were inconsiderate rude wrong and really causing me emotional distress. I called XXXX to get my information and the woman had to talk me through my XXXX XXXX. I couldnt catch my breath I was dizzy and my night was completely ruined because I was having such a severe XXXX XXXX. The woman from XX/XX/XXXXinsured me that everything should be OK and she emailed over the proof that I owe them absolutely nothing and I should be cleared of this. The woman and her supervisor whose names I have were inconsiderate rude wrong and really caused me XX/XX/XXXX. I called XX/XX/XXXX to get my information and the woman had to talk me through my XXXX XXXX. I couldnt catch my breath I was dizzy and my night was completely ruined because I was having such a severe XXXX XXXX. The woman from XXXX XXXX insured me that everything should be OK and she emailed over the proof that I owe them absolutely nothing and I should be cleared of this. Im now concerned that my credit score will be forever effected by TRANSWORLDs mistake and I dont want someone else to go through what I went through with this woman, her supervisor, or this company ever again. You should not be harassed, attacked, and spoken down to by collectors.

Company response to consumer: Closed with explanation