Consumer complaint received 2023-09-27
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, I received a call from Transworld Collections to collect on a debt from a company XXXX XXXX. They provided no additional information. I did not recognize the company name or billing amount, so I asked to receive a bill in the mail stating services rendered, amount due, etc. 

I never received that information, so I assumed it to be an error. I received a call today XX/XX/23 from Transworld Collections again on the same debt. I asked them again to send me information to review so that I could validate if this claim was correct. I told them that I asked for this before and never received it. They acknowledged that I did in fact request validation in XXXX. 

I then followed up searching XXXX XXXX and contacting them. They have no record of me as a customer and stated that they do not use Transworld Collections. They recommended me contacting insurance. I did so. Insurance wanted me to pay them directly to a different company name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an invalid scam robot message service for First Alert devices ). I told them I would not put my banking routing information online to a company that didn't match the Explanation of Benefits XXXX XXXX XXXX or the Transworld Debtor XXXX XXXX XXXX. The insurance company called Transworld on my behalf. 
After being on hold for about 20 minutes while the insurance agency call Transworld to get a bill for me, both agents came back on the line to validate information so they could talk to me. I again requested information on the debtor and the bill. I was able to get the name again XXXX and a date of service. I stated again that I never received a bill from XXXX. The Transworld agent recommended I called them directly. I told her that I did, and in fact, they confirmed that they have no record of me. They also confirmed that they did not turn me into Transworld because they don't use Transworld. 

At that time, my healthcare insurance agent jumped in to say that I did receive a bill from them. I told her that I had not, that in fact, there was an Explanation of Benefits online only and not a bill from them or any provider. I reiterated the points that the provider names don't match on EOB and card payment portal. That not only do I not remember having the service provided, that I certainly never received a bill from anyone or any proper notification from Transworld on the attempt at collection. The insurance agent told me that I could go and she could speak to Transworld on my behalf. I stopped her and told her after her " billing comment '' she clearly didn't have my best interest. I asked the Transworld employee to again send proper notification of the debt and again verified my address. I told her that I needed to validate if the service was actually rendered, who the provider was, and if in fact it was that I hadn't already paid. She left the call. 
I then stayed on with insurance I again reiterated my frustration about being sent to collections without proper billing and/or communication from a service provider. 
It is worth noting that immediately following the call ( 11 minutes ), I received 6 separate text messages opting me into different XXXX notifications. I attempted to appeal the claim on my insurance and was unable to do so. 
This makes me think there is something going on between Transworld and the insurance agency. Certainly, there was not proper notification here from any party before and after collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation