Debt collection
Transworld Systems: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 721
- Closed with money back
- 0%
- 2023 to 2025
- 155 to 325
Servicemembers filed 7.4% of Transworld Systems's 9,784 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 155 in 2023 to 325 in 2025.
What the complaints are about
By product
| Debt collection | 583 |
| Credit reporting or other personal consumer reports | 96 |
| Credit reporting, credit repair services, or other personal consumer reports | 17 |
| Student loan | 17 |
| Credit card | 4 |
By issue
| Attempts to collect debt not owed | 291 |
| Written notification about debt | 121 |
| False statements or representation | 88 |
| Incorrect information on your report | 64 |
| Took or threatened to take negative or legal action | 43 |
| 2023: 155 | 2024: 241 | 2025: 325 |
Which accounts, specifically
| Other debt | 176 |
| Telecommunications debt | 122 |
| Credit reporting | 121 |
| I do not know | 117 |
| Credit card debt | 108 |
What went wrong, specifically
| Debt is not yours | 183 |
| Attempted to collect wrong amount | 84 |
| Didn't receive enough information to verify debt | 73 |
| Debt was paid | 70 |
| Debt was result of identity theft | 61 |
Busiest month: May 2025, with 38 servicemember complaints. Most were submitted by web.
Most complaints came from TX (122), FL (57), VA (57) , then GA, CA, NY.
How Transworld Systems answered
| Closed with explanation | 721 | 100% |
Transworld Systems responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (42). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Written notification about debt. TN, 2024-09-03. Outcome: Closed with explanation. Complaint 9999255
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Debt or credit management; Charged upfront or unexpected fees. KY, 2024-08-29. Outcome: Closed with explanation. Complaint 9984802
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Debt collection; Electronic communications. IL, 2024-08-27. Outcome: Closed with explanation. Complaint 9938068
If this is your problem at Transworld Systems
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Ccs Financial Services 694 servicemember complaints; 0% with money back
- National Credit Systems 610 servicemember complaints; 0% with money back
- Kriya Capital 539 servicemember complaints; 0% with money back
- I.c. System 507 servicemember complaints; 0% with money back
- Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis 434 servicemember complaints; 1% with money back
Next in the directory by volume: TD Bank, Barclays Bank Delaware.
Frequently asked questions
How many complaints did servicemembers file against Transworld Systems?
721 complaints tagged servicemember were received by the CFPB about TRANSWORLD SYSTEMS INC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 155 in 2023 to 325 in 2025.
What do servicemembers complain about most at Transworld Systems?
Debt collection accounts for 583 of the 721 complaints, and the most common issue is "Attempts to collect debt not owed" (291). Next: "Written notification about debt" (121).
Does Transworld Systems give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 721 closed with an explanation only. Transworld Systems answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.