Date Received: 2024-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was originally contacted by Transworld Systems Inc. a debt collection agency in XXXX of 2023 informing me that XXXX XXXX submitted a bill for {$460.00} to their agency that I owed. In XXXX of 2023 I will still in a dispute process with my credit card company which Is XXXX and their bank is XXXX XXXX for the amount of {$460.00}. I informed Transworld Systems in XXXX of 2023 by certified letter that I was still in the dispute process with my credit card company and if I lose my dispute I will pay the {$460.00} to my credit card company. XXXX XXXX should have never sent their charge of {$460.00} to this collection agency before the dispute process was settled with my credit card company. As a result of XXXX XXXX sending the amount of {$460.00} to this collection agency XXXX XXXX is attempting to collect twice on the amount of {$460.00}. A XXXX XXXX representative told me that XXXX XXXX was already paid the amount of {$460.00} in XXXX of 2023. If I win my dispute which I definitely should because I provided irrefutable evidence from a third party contractor as XXXX XXXX requested. This XXXX year veteran third party contractor verified that the temperature of my refrigerator remained at 55F and the cooling issue of my refrigerator was not fixed after XXXXXXXX XXXX technician installed a refrigerator compressor in XXXX of 2023. The representative told me that if I prevail in this dispute then XXXX XXXX will charge back the amount of {$460.00} from the bank XXXX XXXX. The Transworld Collection Agency is attempting to collect the amount of {$460.00} a second time because as I stated I will pay XXXX XXXX the amount of {$460.00} that XXXX XXXX charged for not repairing my refrigerator. I also sent XXXX XXXX a copy of the bill of the new refrigerator I had to buy as a result even though my XXXX refrigerator was only 5 years old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have any accounts with this agency. I have no agreement or signed disclosures with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TODAY i was contacted by XXXX that my credit was down XXXX points! I reached out to them and fount that an account from Transworld System inc/XXXX was attempting to collect from me three account that I had previously proven was fruad from three energy companies. XXXX XXXX XXXX for {$290.00}, XXXXXXXX XXXX XXXX {$600.00} and XXXXXXXX XXXX XXXX {$240.00}. I reported to XXXX this was fraud and I needed it removed off my record and sponged off my credit history. I have also contacted the police and told them of the identity Theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84095
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a verbal notification of the debt and mailed and emailed a dispute asking for verification ; both documents were sent to the debt collector and XXXX. The debt collector will then close my account and XXXX will reopen it. This matter has happened three times. Transworld is the current debt collection agency that has neglected to provide a verification of debt as requested XX/XX/2024. Twice were in writing via email and mail the second was during a phone call. Transworld System ( Tsi ) will simply report on my credit that the debt has been verified which is incorrect as they have neglected to do so. Per the debt XXXX is requesting XXXX but the debt collectors states a higher, incorrect amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48823
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of 2023 I noticed XXXX accounts in collections from Transworld Systems Inc on my XXXX and XXXX credit report. I called the company to have a debt validation letter sent to me but did not receive anything. I sent a debt validation letter via certified mail XX/XX/2023 and it was received by the company on XXXX XXXX. I did not receive a responding correspondence from the company. I disputed the account with XXXX and XXXX and they were both removed from the XXXX report and only one of the accounts were removed from my XXXX report. I called the Transworld Systems Inc. again to dispute the account with them and asked for a debt validation letter via email and still have yet to receive any correspondence from the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On the date of XX/XX/year> I sent out the attached document requesting validation of a debt that I am unaware of that has shown up on my credit report, as well as the certified mail documentation receipt with my wet signature stating that I received the proper notification of said debt. It has been more than 30 days and I have not received anything yet this is reporting on my credit report. Please see attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33935
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworkd inc sent repeat emails for me to pay this debt off for XXXX XXXX and gas. I called and asked repeatedly if I pay this would this be deleted and I get a pay deletion letter. I paid this debt and they did not send the letter and hey also just put the account balance to XXXX instead of deletion. I am very hurt as this destroyed my credit taking it down XXXX points. I am upset and very disappointed in this situation. Thats is bad business. I am a low income household trying to do the right thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75088
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive disputed this item and it is not mine.. and they are harassing me TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX DE XXXX : ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91768
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have recently been a victim of identity theft there's an acount from XXXX that's not mine I called the company letting them know acount is not mine I gave them my info and they say it doesn't exist. but it shows I have an acount from them on my credit 3 major credit agencies. I also have a collection from Transworld systems says it's XXXX the residence at XXXX I've lived in XXXX XXXX TX since XXXX these are not my accounts help please investigate Thank you. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78239
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A