Date Received: 2022-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The creditor, XXXX XXXX XXXX XXXX of XXXX University, has contacted me repeatedly throughout XXXX attempting to collect a debt they allege I owe. I resigned from their organization in XXXX of XXXX. I responded to every email with a request for an itemized bill of my " outstanding balance '' but was never once received a response. My last contact with them directly was XXXX of XXXX. In XX/XX/XXXX, I received a collections notice from TSI systems stating I owe {$190.00}. I later received what I believe is supposed to be a Notice of Debt from TSI, but it did not include any itemized or detailed information about the debt in question. It listed the account number and amount due but no further details. I believe the pursuit of debt in question is invalid on the basis of never receiving a requested bill in the first place, but it is my perception that TSI has violated the new regulations under the FDCPA.
Company Response:
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Calls have began on my work phone number from people trying to collect from me and I have no idea what for. They say it may be for furniture or a pet. They are telling me that it is on my credit report, but no such things are on my credit report and i have not purchased a pet or furniture. Now they are contacting my co workers asking for me s well. I need this to stop. The phone numbers are XXXX and XXXX. They are calling my job all day long and when they do not get me on the line, they continue to probe others for my information.
Company Response:
State: TX
Zip: 77049
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX I had to go to XXXX XXXX Department - XXXX, XXXX XXXX XXXX, XXXX, FL XXXX for domestic XXXX reported to police. I have insurance and I provided my information in the hospital, I also had a bill for {$150.00} dollars in the mail for the XXXX and it was paid. Today XX/XX/XXXX I got a collection letter in my mail dated as XX/XX/XXXX for the amount of {$700.00} dollars with my name but the wrong street, no building letter and no apartment numbers from ; TSI Physical Address : Transworld Sustems Inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Phone # XXXX Telling me that I am in collections for the amount of {$700.00} dollars from XXXX XXXX XXXX XXXX for the XXXX XX/XX/XXXX with no prior bills, statement or any kind of communication letter, validation letter for that amount. I called and collection agency just offered me to send me a validation letter. I called the hospital multiple times and they didnt answer the phone at all. I have an excellent credit and I never skip a payment in my life. I am very organized person and responsible to let my someone else to damage my credit, and put me in collection with no prior statement or communication having in mind that the hospital collected {$150.00} dollars after Insurance for the same DOS. I provided my driver license and my Ins card. No reason for my address to be wrong in the collection letter and I can proof of need it.
Company Response:
State: FL
Zip: 34116
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a bill from debt collector Transworld Systems , Inc for an invoice ( XXXX ) issued by XXXX XXXX XXXX XXXX for the amount of {$180.00}. After talking to both debt collector and XXXX I'm able to get original invoice which is not billed to me but to XXXX INTERNAL SORT ID ( for {$160.00} ), a company that refused to pay the bill. Since I'm the receipient of the service ( a package ) they are now trying to collect their debt from me. But I never received any request for payment from XXXX. When I try to pay the original invoice that XXXXXXXX XXXX XXXX XXXX refused to pay, XXXX doesn't accept payment because it has been sent to collections agency. When I try to pay Transworld Systems , Inc they don't accept the original amount because they want to collect their fee. So far I have refused to pay anything other than the original amount. First I'm not the party with the debt, second I've never given a chance to cover the bill. I'm willing to pay XXXX expenses for the service, but not give any profit to any other company.
Company Response:
State: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Transworld Systems Inc is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my driver license and plwase remove this account from my credit.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Apparently, I owe {$130.00} to Nationwide Credit INC which I have never heard of before.
Company Response:
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: My original XXXXXXXX debt which is now managed by transworld services inc was discharged in a XXXX XXXX bankruptcy in early XXXX and they have been garnishing my income tax returns for 11 years now on this debt that was discharged.
Company Response:
State: IA
Zip: 506XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The notice I received on XX/XX/XXXX was vague. It only says the original account was with XXXX XXXX. I never received a bill from then. It says the date of service was XX/XX/XXXX. When calling TSI they would not give me information without me giving them my birthday. Im not giving private info to a stranger.
Company Response:
State: PA
Zip: 15701
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I spoke with a XXXX ( XXXX?, would not provide last name ) of Transworld Systems Inc. on XX/XX/2022 from approximately XXXX XXXX. to XXXX XXXX. The purpose of my call was to confirm their mailing address. She provided a mailing address in Delaware. There are two mailing addresses on the notice neither of which are in Delaware ( both in PA ). Consequently, either TSI XXXX XXXX is intentionally sending misleading/insufficient/illegal notices to debtors or is misleading callers to send disputes to the wrong address such that the debtor waives their rights and the presumed debt becomes valid. I have not attached documentation due to HIPAA.
Company Response:
State: IL
Zip: 60169
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I started receiving phone calls from Transworld Systems Inc regarding account XXXX during work hours and after XXXX pm at night. I was told that I had a collection with them regarding a medical debt. I have great insurance and did not understand how I would owe anything plus I have not received anything in the mail telling me that I had been sent to collections. I asked them to verify this debt and was hung up on. At the time I thought it was a scam but wanted to check XXXX XXXX. I saw a new collection. I called them back and explained that I did not think I owed the debt but they talked about suing me so I just paid it as it was under {$300.00}. The representative also told me that it would be removed if I paid but it has not. I have since found out that it is the law they mail a letter and give me 30 days to pay. I did not receive this letter. I have also found out it is the law that they verify the debt and they hung up on me when I asked that. Now I have asked them to remove this item from my report because I was threatened and harrassed and certain laws were not followed. They can't find my account anymore. I have disputed this with the credit bureaus XXXX and XXXX but they have not removed it. The other one is not reporting the account. I would like for this item to be removed because they violated the Fair Debt Collections Practices Act and Fair Credit Reporting Act by filing a collection without mailing me a letter first and refusing to verify the debt and lying to me about it being removed. I see that the CFPB has over 5000 complaints agasint this terrible company and I am hoping you can help me. Also the collection was opened in XX/XX/XXXX but they are reporting the date of last activity XX/XX/XXXX. This is incorrect.
Company Response:
State: CA
Zip: 95961
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A