Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am writing to request an investigation of the following information that appears on my credit report. Item to be disputed : TRANSWORLD SYSTEMS INC. 
XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX XXXX Account # : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX Creditor 's Account # : XXXX Balance Due : {$760.00} Attached are the supporting documents which further detail the circumstances that prevented me from paying the disputed amount and from taking any action before this case was sent to the collection. 
I incurred some hospital bills during the birth of my first child in XXXX of XXXX. A portion of the bill was paid by the insurance company and I was responsible for the remaining balance. I was diligently making my monthly payments and decided to apply for financial assistance on XX/XX/XXXX. Attached letter from XXXX XXXX XXXX charity care and financial assistance confirms that. 
My application for financial assistance was reviewed and hospital decided that I was eligible for 100 % charity care write off on the portion of the charges for services I was responsible. It was later confirmed in writing via a letter dated XX/XX/XXXX. A copy of the letter is enclosed and original copy can also be presented on request. 

Letter states the following : Thank you for using XXXX XXXX XXXX for your medical needs. Your application for hospital assistance has been reviewed and you have been found eligible for a 100 % allowance for all hospital services except XXXX  XXXX. 

This was my last communication with the XXXX XXXX financial department. There were no alerts/communication via phone, email or regular mail after the above-mentioned letter dated XX/XX/XXXX from XXXX XXXX XXXX. 

I was out of country ( in XXXX ) from XX/XX/XXXX to XX/XX/XXXX. Please see attached copies of the e-ticket and boarding passes. After coming back home on XX/XX/2019, I find this letter dated XX/XX/XXXX from the collection agency name Transworld Systems Inc stating the there is a balance of {$760.00} due on my account. See attached letter. I did not get to read this letter until after XX/XX/XXXX. 

It was never my intention to avoid paying any balance that I owed to the hospital. I did have some financial trouble during the birth of my child and for that I did seek financial assistance and was diligently making my monthly payments as a responsible borrower up until Ms. XXXX XXXX from the XXXX XXXX XXXX assistance department told me otherwise. I was never given any advance notice about sending my case to collection. First and the only notification that reached me came straight from the collection agency on XX/XX/XXXX stating my account has been sent for collection. When I became aware of this past due account, I immediately called the collection agency and set up a monthly payment plan. I have already made three ( 3 ) installments but my credit score has taken a big hit. I have worked hard to keep a good credit score of 700+ but this collection notice has put me back below XXXX. 
I have attached all necessary supporting documentation to support my claim. 

I am requesting you to investigate into this at your earliest convenience. 
Thank you for your assistance. 
Sincerely, XXXX XXXX Enclosures : 1. My financial assistance application dated XX/XX/XXXX 2. Letter confirming 100 % write off. Financial assistance approval. 
3. Some payment receipts ( more can be provided upon request ) 4.  Boarding passes and e-ticket 5. Bill of {$760.00} 6. Letter from collection dated XX/XX/XXXX 7. Payment plans with collection

Company response to consumer: Closed with explanation