Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/XXXX, I received XXXX services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX PA ). XXXX XXXX is a participating provider with my XXXX XXXX XXXX XXXX plan. Before, during, and after receiving the XXXX services, I maintained that same health insurance. On XX/XX/XXXX, XXXX XXXX XXXX notified me that the charge of {$270.00} for XXXX services was rejected : No payment can be made for this service. This service required an authorization in order to be covered. ( The original bill was for {$270.00}. Since I paid a {$15.00} co-pay, the resulting amount due is {$260.00}. See attachment XXXX XXXX XXXX XXXX. ). It was the responsibility of XXXX XXXX ( not me ) to obtain the authorization. Sometime later ( approximately XX/XX/XXXX or XX/XX/XXXX ) I telephoned XXXX XXXX and explained that the authorization had to be obtained, and the claim resubmitted to XXXX XXXX XXXX. The receptionist stated he would forward that information to their billing department, and someone from the billing department would contact me. No one from XXXX XXXX called me, so it was assumed the problem was resolved. On XX/XX/XXXX, I received notice that XXXX XXXX turned the matter over to Transworld Systems Inc. ( TSI ), a collection agency. ( Transworld Systems Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX, XXXX. ) 1. Rescind the referral to the collection agency. 2. Have XXXX XXXX properly file the claim with XXXX XXXX XXXX. 3. XXXX both XXXX XXXX and TSI for not responding to my multiple entreaties to discuss and resolve the issue. On XX/XX/XXXX, I sent a letter to TSI explaining the situation ( 3 TSI Letter ). That letter included all of the above information. I never received a reply to that letter. On XX/XX/XXXX, I called XXXX XXXX and spoke to XXXX. I sent an email to XXXX at XXXX ( 2 Email to XXXX XXXX ) which included a copy of the letter I sent to the collection agency ( 3 TSI Letter ) and an XXXX which reflects the payment in question ( 1 XXXX XXXX XXXX ). In the email I requested that XXXX XXXX remove TSI from the case, and that XXXX XXXX resolve this issue with the insurance company, and finally that XXXX XXXX get back to me as to how/when they will address the issue. I never received a response from XXXX XXXX. On XX/XX/XXXX, and XX/XX/XXXX, I received a letter from TSI requesting payment. On XX/XX/XXXX, I sent letters to both XXXX XXXX and TSI requesting that the claim be properly processed through the insurance company ( 4 TSI Letter XXXX, and 5 XXXX XXXX Letter XXXX XXXX XXXX XXXX XXXX ). I informed both entities that if I did not receive a response by XX/XX/XXXX, I would file a complaint with the Consumer Financial Protection Bureau. To date, my insurance company has made seven payments to XXXX XXXX totaling {$2900.00}. Clearly I have health insurance, and if XXXX XXXX would simply follow the requirements of XXXX XXXX XXXX ( meaning request an authorization ), the claim would be paid. Instead, XXXX XXXX took the easy way out and referred the matter to a collection agency. I have written two letters to TSI, one letter to XXXX XXXX I twice telephoned XXXX XXXX, and I emailed XXXX XXXX ( these letters, email, and telephone conversations are documented in the included attachments ) and I never got a response from either organization.

Company response to consumer: Closed with explanation