877-865-7686

Transworld Systems (TSI) - Debt Collection
PO Box 15630
Wilmington, DE, 19850
877-865-7686
These criminals have been calling my mobile phone during work hours.
The are trying to get me to pay a fraudulent insurance claim filed by CareNow.

For a while I was having care at a wound center.....my SS, thus insurance co. representing same, make  me required to pay co-pay for this type of thing.
I made hall dozen or so visits.   Each time I ask how much my visits would cost above insurance pay.  The wound center couldn't say, and collected my co-pay each visit (they also asked that I provide co-pay to cover a visiting phyician!
I contacted Aetna and a lawyer, told them the facts.  Aetna told me not to pay anything....lawyer also.   Not I receive sometimes twice in a row calls from 877/865-7666.  They are a collection agency.
I suspecct the woulnd center people have sold my 'outstanding debt'.  Now everybody wants a piece of me!!!

(This a follow up on a post I just made re; wound center.)
They ended up charging me almost $300 per visit - that's above and beyond my co-pay, the little SS+insurance allowed them!!!!!

I sold my house & the new buyer apparently, allegedly, SUPPOSEDLY did not contract w/ the alarm co. that I had; yet they have 24 hr. service and monitoring from my old co.; police respond to the alarms & the family of the new buyers meet the officers at the house.
I have a new contract w/the old alarm co. In another State. My old contract  balance of 8 mos. was satisfied when I signed the new one. THAT IS IN WRITING IN BOTH CONTRACTS! These incompetents referred me to a debt collector for not paying the monthly bill for the new homeowner!!!  And I verify monthly w/different neighbors that the house has full services & monitoring. And yes, they are still tripping their own alarms, for which each fine is $75 or $150. They are probably billing me for those, too! Yes, I am emailing the Alarm Co.'s CEO.

My past due bill from an electric company was transferred to this agency for collections. I set up an automatic post dated payment agreement with them and payments were going through as scheduled. For whatever reason, my account ended up being transferred to another agency and was no longer with TSI. I verified that the account was moved and I set up new arrangements with the new agency. TSI continued to keep my credit card information on file and take money out of my bank for an account that they no longer have control over. They refuse to return my money or remove my bank card information from their systems.  I had to cancel my bank card and have new one issued in order to stop them from going into my account anymore. DO NOT GIVE THEM YOUR BANKING INFORMATION!!!!

Who informed you that your account was moved - TSI or the new agency? When you set up the payment arrangements with the new agency, did you verify with TSI that they no longer held your account?

I have to wonder if you simply paid them or actually made them follow the letter of the law.  I also have to wonder how you "verified" that the account was moved.  It seems that you are being scammed a lot because you simply don't know what the collection laws state.

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general