Date Received: 2021-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received notice of statement in mail dated XX/XX/2021 for {$40.00} for services I received from XXXX XXXX XXXX at the XXXXXXXX XXXX MD XXXX XX/XX/XXXX on XX/XX/XXXX. I paid right away on XX/XX/2021 using the Pay Online : XXXX and received an email : Your payment has been successfully processed. The payment was withdrawn from my checking account on XX/XX/2021. I received another statement dated XX/XX/2021 for the same services. On XX/XX/2021 @ XXXX XXXX EST, I called the billing department at XXXX and spoke with a female representative. I informed her I have already paid this bill and provided her the date, transaction email and bank statement. She said she would take care of it. I received another statement in the mail dated XX/XX/2021. I called on XX/XX/2021 @ XXXX XXXX EST and spoke to the same female representative again inquiring why this claim has not been updated. She said, I did not send her the information. I forwarded the email that I sent her while she was on the phone. She said, they do not have record of the payment because there are two different systems and the payment possibly went to the XXXX XX/XX/XXXX. She instructed me to call XXXX XX/XX/XXXX and ask them to refund the money and then pay them. On the same day, I contacted XXXX XX/XX/XXXX at XXXX and sent an email to omfa.gwa.edu @ XXXX EST. The male representative was unable to see any records for me. He looked up records based on my name and SSN. I received a notification in the mail dated XX/XX/2021 from Transworld Systems Inc. to collect the {$40.00} debt as reported by XXXX XXXX XXXX. I called this company on XX/XX/2021 on XXXX @ XXXX XXXX EST. I gave the representative the Transaction ID and Approval Code from the successful email. I was told Transworld would notify me in 30 days of their findings. On XX/XX/2021, I received a letter from Transworld Systems Inc. requesting me to send materials to valid my claims. I sent all the information by certified mail via USPS on XX/XX/2021. I received another letter in the mail from XXXX XXXX dated XX/XX/2021 enclosing a copy of the debt I owe and requesting payment.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I fell off a XXXX XXXX ft in the air and went to the hospital. I understand there is money owed but they have 7 derogatory hits on my credit report instead of one for the incident. I would like them to combine all of them or take them off
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As above, so below, THE ALLEGED OWED CREDITS, CONSIDRED IN SPEECH BY XXXX INCLUDE A " BILLING ERROR '' .ON SOME DELAY IN MEMBERSHIP BILLING ACCOUNTS, INCLUDING THAT OF Said name Private individual XXXX XXXX XXXX XXXX was not in fact a natural born soul XXXX XXXX XXXX , for a {$20.00} * for updated billing fees, that were not agreed upon in terms of the original agreed contract, based on principal This transaction, if not authorized to debit the checking or debit card of XXXX XXXX appropriately identified and ACH or debit card from fraudulent once the private residential and private individual 's mailing address and banking information was updated, was changed, the correspondence was not represented as cited in Title 9-102. UCC Article 9 - secured Transactions Further more, pursuant to the U.S. Title 15 US Code 1681 ( m ) ; the collection agency, did not properly portray their interest in this contractual agreement, provided a contract under agreement to provide legitimate credit from signer, who is responsible for the Application of payments ; BURDEN OF ESTALISHING, this creating a transaction in the scope or hidden fees. TRANSWORLD SYSTEMS INC. COLLECTION AGENCY VIOLATED THIS 15 US Code 1681 ( m ) which transgresses into the realm or jurisdiction of a U.S. Admiralty laws between a creditor and debtor ; of which within the communication the acquiesced contract was not honored, due to improper representation of which party in fact is the debtor or creditor.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm currently having an issue with a collection company. They're reporting erroneous information to my credit report that needs to be removed promptly. Its violates 4 counts of the FCRA ( Federal Credit Report Act ) as well as HIPAA ( Health Insurance Portability Accountability ACT 1996 ) Under Section 602 - Reporting Inaccurately. Section 603 ( A ) ( B ) ( C ) - Sharing Medical Information Section 604 ( 2 ) - Creditor is prohibited from using medical information for eligibility for credit or continued credit. Section 605 ( 6 ) ( A ) - Provide sufficient information of such service provided Name, Address or Phone. HIPAA ACT 1996- A health care provider or health plan may share relevant information if : given permission to share the information. They must have a HIPAA " Released Form '' signed by me. Which they don't have NOT a " Privacy Notice Form ''. Sharing my information with a company is in fact fraudulent. Also not having the correct address or phone number which is inaccurate.
Company Response:
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: left apt early for health reasons XXXX trouble lost deposit been contacted by transworld systems who have said on 6 to 8 phone calls and in theirletter that they are collecting for the apts and that they do not own the debt -- turned out this is false and they are holding me XXXX to pay XXXX i have tried to settle and offered XXXX they said they would contact the creditor the apt and see if they would accept the offer they own the debt which they have denied cant get into apts because of this its ransom and they own the debt but they always insist they are collecting for the apt.and do not own the debt
Company Response:
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon checking my credit report I discovered Transworld Systems had placed a collection account on my file. I submitted a validation request letter XX/XX/XXXX requesting my signature on any document agreeing to do business with this company and requesting any documents showing my signature to do business with Transworld Systems. I received a letter stating that they would contact the original creditor and that they had followed and complied with federal law. All validation should be done BEFORE derogatory information is placed on any ones credit file. This is NOT MY account and I am requesting that it be deleted immediately as it is damaging to my credit worthiness.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Delete this collection from my XXXX and XXXX credit file. The collection is already deleted from my XXXX credit file due to lack of evidence and validation within the legal time frame of 30 days.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Transworld systems started calling me a few months ago. They never sent me any break down for the bill, so i asked them to cease and desist and not to contact me anymore. They continued to call me, and i ignored it at first. They were calling me incessantly. They have been calling recently for the last two weeks, and then they called me again last night. i told them they are in direct violation of my rights as i have already requested that they cease and desist. The guy mumbled into the phone, and then hung up on me. It made me super uncomfortable getting a weird call like that when im at home alone at night. Especially because this company is trying to use fake local numbers to get people to answer. This morning, they used the SAME spoofed local number to contact me AGAIN, right after i had just told them last night to cease and desist! I told the woman that last night i had requested again that they cease and desist, and i informed her that not only are they contacting me after i told them to cease and desist, but that they also contacted me at night which is SO inappropriate. I also informed her that this is now multiple times of me telling them to cease and desist. She tried to interrupt me while i was telling her how many times ive asked to cease and desist, but i repeated myself three more times, so that she heard very clearly that i was asking them to cease and desist. She hung up after that. I dont know whats going on with debt collectors these days, but the amount of rights that they violate because they are hiring untrained people who dont know basic FDCPA rules, are resulting in them violating my very basic rights.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been stolen. I live in XXXX for 8 + years. Before that I lived in XXXX. I have own a home in XXXX XXXX XXXX till XX/XX/2021 and paid all utilities mortgage insurance etc there. Now I live in XXXX XXXX. I have never lived or visited the state of XXXX. Unbeknown to me someone has open utilities in XXXX on my name. Transfer money for them at XXXX XXXX from my XXXX XXXX XXXX account. XXXX dollars using a phone transaction. Someone applied for unemployment in XXXX in my name. Thank God is was denied. I received the denial letter. XXXX XXXX thru XXXX and XXXX XXXX collections XXXX. XXXX XXXX thru XXXX XXXX XXXX XXXX. XXXX XXXX XXXX retail XXXX. XXXX XXXX thru online information XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX XXXX thru trans world systems XXXX. XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX. This are utilities open in XXXX using my identity to open them. When I went to buy a car this year during summer I found out my credit was bad. I then had to put down XXXX to get a better payment. Since my credit was bad.
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A