This is a collection agency.I answered "hello"... No one talked so I hung up then I called the number, and the recording said it was Transworld Systems Incorporated.
The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.
On July 9, 2013 Expert Global Solutions Inc and its subsidiaries (including Transworld Systems Inc) have agreed to enter into a Stipulated Order for Permanent Injunction and Monetary Judgment by agreeing to pay a civil penalty and ceasing telemarketing practices that were alleged by the Federal Trade Commission (FTC) to be in violation of the Fair Debt Collection Practices Act (FDCPA) and the FTC Act.
In its complaint, the Federal Trade Commission alleges that Expert Global Solutions and its subsidiaries called consumers to collect a debt and would continually call with the intent to harass the consumers, including calling consumers' place of employment even when the employer did not allow personal calls. In the instances where consumers confirmed that they were not the individual who owed the debt, the company would continue to call to obtain information about the individual who owed the debt even though the company said they would stop calling and had no reason to believe the person they were speaking to had any knowledge of the person who owed the debt. The companies also left messages on voicemail, leaving information with the debtor's name and confirming that a debt was owed, in violation of the FDCPA.
Expert Global Solutions Inc and its subsidiaries have been enjoined from: falsely stating they will not contact consumers to collect a debt; communicating with any person other than the debtor (or those authorized under the law in conjunction with the debtor) regarding the debt owed unless communicating once for the purpose of obtaining location information for the debtor; harassing a consumer while attempting to collect a debt; communicating with a person in connection with a debt at an inconvenient time or place (including place of employment); continuing communication if a consumer has requested no further contact or if a consumer submits in writing that he/she refuses to pay a debt; leaving voicemails with information about a debt owed; and violating any provision of the Fair Debt Collection Practices Act.
Expert Global Solutions Inc and its subsidiaries are also required to: report the debt as disputed or request deletion from credit reporting within 14 days after the denial, dispute, or challenge, complete an investigation within 30 days of the denial, provide verification of the debt and the basis for it if the debt is valid within 15 days, or inform the consumer the debt is not valid and cease collections as well as inform the credit reporting agency to delete the debt if reported; keep records documenting attempts and results of calls regarding a debt, as specified in the Order.
For a period of 5 years from the date of the order, Expert Global Solutions Inc and its subsidiaries must make the following disclosures on each written collection communication that is sent to a debtor for the purpose of collecting on debt:
Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. If you have a complaint about the way we are collecting your debt, please visit our website at www.ncogroup.com (or applicable corporate website) or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at 600 Pennsylvania Ave., NW, Washington, DC 20580. If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.