Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MD)

XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I had XXXX XXXX XXXX. As a result of these medical bills and my inability to pay them ( while trying to prevent the spread of the XXXX ), I was unable to pay the portion not covered by my health insurance. This ultimately went into collections with TransWorld Systems , Inc. 

I was contacted by TransWorld Systems in XX/XX/XXXX/XX/XX/2018 and made financial arrangements to pay $ XXXX/month ( which has been paid as agreed through automatic debit ). I was told by the agent setting up the arrangement that as long as this was paid as agreed, there would be no further reports to the credit bureaus. 

All was fine until XX/XX/XXXX when I received a credit monitoring alert that TransWorld had sent my info as a negative to the credit reporting agencies. When I contacted TransWorld, not only were they rude and told me I should have paid my bills on time and it wouldnt have gone to collections, but they also gave me the run-around and said they did not report this and that I needed to contact the hospital ( XXXX   Hospital Center ). After numerous run-arounds with both entities, I ultimately contacted TransWorld again and they said it was indeed them that had reported it. I asked why and why now because everything had been fine since XX/XX/XXXX/XX/XX/2018. They had no explanation. 

In addition, Id received a collection call from TransWorld on XX/XX/XXXX. I asked why was I receiving this call when arrangements were already made? After looking again at their records, they verified that arrangements were made but that the call was a clerical error and that I was fine and nothing further needed to be done on my part because my pre-arranged information/payment plan was in the system. 

As a consumer and someone dealing with a health issue, I have rights that this collections agency doesnt seem to care about. They have the upper-hand with consumers and this is wrong. I made arrangements and have been paying as I agreed but yet they still report me and ruin my credit that I have worked hard to build. I can not help that I had a health crisis. I could understand if I hadnt or havent been paying as agreed but I have and they dont care about me, all they care about is getting their money. As a resolution, I will pay my debt ( that isnt the issue at all ), I just want the negative impact removed from my credit. It is my understanding that the collections agency has the ability to do this. I was given the wrong information by them ( that if I paid it would not be negatively reported ) and I want them to live up to what they said. They keep deducting money out of my account ( XX/XX/XXXX was another payment ) but still report me. Is this legal that collection agencies can give you false information ( lie ) to get this debt paid? It would appear the answer to this is yes from my situation. 

Below is the account information for both TransWorld and XXXX   Hospital Center. I am awaiting a letter from them stating the arrangements Id made and that Ive paid consistently and on-time since those arrangements were set up. I will send that upon receipt. 

TransWorld Systems Inc : Account # XXXX ( three files have been combined ) ; total debt {$1800.00} XXXX Hospital Center account numbers : XXXX XXXX XXXX Thank you for your help to bring consumers justice.