Date Received: 2022-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I initially signed up for a one year service contract with XXXX from a man who had come door to door during the summer. I paid for the contract with my credit card and was told that they would email me the documents, which I never received. There must have been a mix up, because they called shortly after I initially signed up stating that they had not received payment, so after checking my account I again gave them my credit card information. They performed the services for the year that I had agreed to. The contract expired and XXXX automatically renewed it without my authorization. I attempted to call several times and was placed on hold for long periods of time. I finally reached them on XX/XX/21 and they cancelled the contract, but continue to bill me and have now sent my account to collections. I reached out to XXXX directly on XX/XX/21 via text and they told me that if I paid what was owed they would reverse the credit reporting, but I do NOT owe this debt. I asked the gentleman to send me a copy of the contract that I signed and he emailed me a blank copy of a contract that said contracts would be automatically renewed, but since it was a summer sale he was working with the branch to get a copy of the contract with my signature. I still have not received anything. I have also disputed this debt with the collection agency that XXXX is using. I do not want this one issue to tarnish my good credit record and I believe I have been more than fair in trying to resolve this issue.
Company Response:
State: PA
Zip: 17011
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TODAYS DATE : XX/XX/XXXX TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, I noticed that University Accounting Services ( UAS ) was charging interest on my Federal Student Perkins loan throughout XXXX, but stopped in XXXX. I reached out to them to get it corrected. I followed up on XX/XX/XXXX and XX/XX/XXXX and have never heard back from them. They did, however, immediately start charging me interest again starting in XX/XX/XXXX. The only thing that has come out of me contacting UAS for help was they starting charging me interest again. I need to pay this loan off an University Accounting Services fraudulently charging me more than {$400.00} in interest, plus ignoring my repeated requests for assistance, has caused me not to pay off this loan yet.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This agency has put a fraudulent claim on my credit report in XXXX. XXXX XXXX on XXXX XXXX in the amount of {$250.00}. I informed this company that the debt that they claim is mine is not actually mine. I requested for a debt validation with some form or copy of a contract bearing my signature or ID copy in XXXX of XXXX I have yet to received said document and will never because it does not exist. I received a letter stating that this paper serves as a debt validation, however that is not the law. It is not my responsibility to prove that a debt is not mine. It is TRANSWORLD SYSTEMS ( XXXX XXXX ) responsibility to validate the debt with a form bearing my signature or ID copy and you Have not done so.
Company Response:
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted Transworld Systems Inc. several times to get the alleged XXXX account validated. This account is {$380.00} and I was never sent proper information to validate this alleged account. My last certified request for validation letter was sent XX/XX/21. This last request was never responded to. Because Transworld Systems failed to respond, this account must now be removed from all credit reporting agencies. Ive attached 2 different certified and return receipts but Ive contacted this company more than that. This negative invalidated collection account has prevented me from obtaining credit.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have a 2 collections with Transworld Systems for the amount of XXXX, That i have paid, this payment was made XX/XX/2021, I spoke with Transworld and ask if payment was made in full, if they could removed from my credit report, they stated they could not, i would like this removed from my credit report, and to show that this has been paid.
Company Response:
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice, affiant is aware the debt collector, TRANSWORLD SYS INCXXXX can not communicate with anyone other than the consumer, the natural person, in connection with 15 U.S.Code 1692a ( 3 ) or an attorney or consumer reporting agency as permitted by law. However the debt collector, TRANSWORLD SYS INC/XXXX has communicated with the all caps name principal obligor, XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have never done business with this company but they are saying i owe money to them but i do not and they are reporting collections on my credit report
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Initially I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. When I saw the email that she sent I called her, she explained that her call was because I was late with my payment. I asked her to give me a little more time because I was certain that I had made a payment sometime ago because the loan didn't actually mature until this year. I then emailed her and told her that I needed to know how much I was responsible for and when was the due date of the loan on going, as I never received any information. She gave me website address for University account services LLC a company that deals with their loan collection. We never received the terms of the loan the due date and now they are expecting to not mention that I paid {$250.00} on the account two years ago. I think that their business practices are not very good for communication and sketchy at best.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is a charge from XXXX XXXX XXXX XXXX XXXX for my/my sons stay during XX/XX/XXXX when he was born. I had full insurance through XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX insurance through XXXX XXXX and XXXX. I have contacted the XXXX XXXX XXXX XXXX XXXX 3 times PER YEAR SINCE XXXX to get this charge dealt with. Every time I contacted them from XXXX I was told that the hospital needed to resubmit the charge to my insurance, when I contacted both Insurance companies I was told that the hospital never did that, but that if they had the amount would be paid in full. Since XXXX when I reach out to the hospital I get ZERO response.
Company Response:
State: NM
Zip: 87108
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A