Date Received: 2021-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021, I received a collection letter from XXXX, XXXX,. on behalf of XXXX, for a bill of {$56.00} that I had never seen, threatening legal action if the amount was not paid in full. The letter was dated XX/XX/2021. I hold a XXXX account and no such bill had ever materialized. After researching other consumers ' experiences with this, it seems such issues with XXXX and XXXX have happened in the past, including action with the CFPB. The letter gave me 30 days to dispute ; I payed the amount to stave off the collection agency while I contact and work with the CFPB.
Company Response:
State: NE
Zip: 68901
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My wife and I moved into XXXX XXXX XXXX apartments in XX/XX/XXXX, and paid a security deposit of {$1000.00}, as well as other deposits and fees. The managing company switched three times in 3 years, and when we moved out in XX/XX/XXXX, we were sent a bill totalling {$1000.00}, due to them not having our security deposit on file. The day after sending the bill via certified mail, I received a call from NCC Business services to collect said bill, which was movefd to collections in less than 24 hours. I have been actively trying to discharge the collections for 3 years with no luck.
Company Response:
State: NJ
Zip: 07748
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: OPENED XX/XX/2021 {$1200.00} Collection agency ( XXXX ) I've reached out to the companies XXXX, XXXX, and XXXX XXXX XXXX. I've also reached out to XXXX XXXX XXXX regarding the misunderstanding of this account. I've never had XXXX XXXX XXXX. Also I reached out to XXXX, XXXX and XXXX stating that It is illegal to sell an account to a collection agency but they still Went forth what the XXXX selling the account to the agency.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Trasworld is reporting a fraudulent account on my credit file. I didnt open this account nor did I authorize anyone to do so on my behalf. I only had one account with XXXX XXXX and that was settled on XX/XX/2020. They are claiming that I had two accounts, but that is not the case. I only had one and I resolved it. This account is absolutely not mine, and needs to be removed from my credit ASAP!
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On Thursday, XX/XX/XXXX, I vacated my apartment at XXXX XXXX ( property address : XXXX XXXX XXXX ; XXXX XXXX, GA XXXX ) ahead of my lease that ended on Thursday, XX/XX/XXXX. I received an email with a bill for final fees in the amount of {$120.00} after the end of my lease. Previously, I paid all bills through an online portal. Upon moving out, my access to that online portal was discontinued. I reached out to XXXX XXXX via phone prior to the XXXX due date to find out how to remit final payment, but did not receive a return call. I also reached out via email prior to the payment due date, and did not receive a response. On Wednesday, XX/XX/XXXX, I sent an email to the XXXX Grand Manager advising that in light of a lack of response, I would send a payment through certified funds to the office location via certified mail to satisfy the outstanding balance. I requested read receipts and delivery receipts to these emails so that I would have passive confirmation that my email was noted. While I did receive delivery and read receipts, I did not receive a response to this email. I waited 72 business hours for a response, and then proceeded as outlined in my email. On Friday, XX/XX/XXXX, I received confirmation that the certified funds payment that I sent via USPS certified mail was received and signed for by " Manager. '' On Saturday, XX/XX/XXXX I received a call from TransWorld Systems regarding this payment. The agents that I spoke to claimed that XXXX XXXX had not received payment. Additionally, the agents repeatedly asked for personally identifying information ( SSN, previous addresses, current address, etc. ), which I declined to provide. They asked for proof of payment which I was willing to provide, but they stated they could not provide an email address nor a physical address to submit this proof unless I provided personally identifying information. To date, they have not provided any contact information that I can use to submit the proof of payment. On that same day, Saturday, XX/XX/XXXX, I called XXXX XXXX and XXXX XXXX, Assistant Manager answered the phone. While she confirmed that the check was received, she stated that she was not sure about the whereabouts of the certified bank check and was unclear about why a payment had not been applied to my account. I informed XXXX that I would send a follow up email to her and to the manager recounting the details of our conversation, and expecting to be advised on when and how the final payment, which they confirmed was received, was not applied to my account and why my account was referred to collection. I also requested read and delivery receipts to these emails. To date, I have received a delivery confirmation, but I have not received a read receipt nor have I received a response. Please see seven documents ( e.g. emails, copy of certified funds, USPS delivery confirmation ) supporting this account attached.
Company Response:
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have never received a bill from the hospital, nor any type of communication from the collection agency regarding these debts from Transworld System. I first learned of the accounts when they appeared on my credit report. I first disputed the debts on approximately XX/XX/2021 with no resolve. I requested verification from Transworld System and they sent me itemized statements from the hospital which state THIS IS NOT A BILL. I re-disputed the information with XXXX and submitted the documentation from the collection agency and they still did not remove the accounts from my credit record.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I initiated a complaint about transworld purchasing a debt from XXXX XXXX Complaint ID : XXXX I still havent received the account validated Debt letter with ledger in the postal mail. They began calling non stop after I asked them to stop calling. I told them I would take care of the full the tradeline is deleted. If not, I will settle the debt for 60 % of the total if it must remain on my reports, I can wait out the 7 years until its not eligible to be reported in my credit any longer or I can add it to my current bankruptcy claim to never be paid.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: During the beginning of the COVID-19 pandemic, I was paying my loan, as I was receiving the federal plus-up for my XXXX-induced unemployment. Once the federal plus-up ended, I was no longer able to make payments, So I went back to school to get my XXXX, and XXXX XXXX XXXX ( XXXX ), my former loan servicer, told me I could get it deferred while I was in school. They continued to lead me on until they placed the loan in default, and then told me they could no longer defer it, and then sold it off to another company ( Transworld Systems ), who is now asking for the payment in full, and harassing my XXXX year old grandmother for money.
Company Response:
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Notice in Fact, Be it known to all that pursuant `15 usc 1681 ( a ) ( 4 ) that I am a consumer. Notice in Fact, the United States is a Federal Corporation pursuant 15 usc 3002 ( 15 ). Since this is a corporation and I am a consumer, ANY & ALL CERTIFICATES OF INDEBTEDNESS and BILLS are the obligation of the United States pursuant 18 usc 8. I have NEVER signed a CONTRACT or PROMISSORY NOTE with TRANSWORLD SYS INC/XXXX & I believe them to be a 3rd party debt collector which is a violation of 15 usc 1692e because they are aren't the original creditor. I DEMAND to see a purchase receipt granting TRANSWORLD SYS INC/XXXX legal jurisdiction to collect any alleged debt they may claim I owe. I have also never given my WRITTEN or ORAL consent for these items to be furnished on my consumer reports which is a violation of 15 usc 1681b. Each violation listed is punishable pursuant with 15 usc 1640 & 15 usc 1692k of up to {$1000.00} per violation. So I DEMAND these items be removed from my consumer reports OR pay me {$4300.00} FOR EVERY MINUTE this item has been furnished on my reports.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Over the past year I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX. Once the collection is disputed with the credit bureau, It states the collection has been validated but has not provided me with any information that I have asked for such as a contract bearing my signature, or any other information. The same information was requested from XXXX and XXXX and the validation could not be verified and the Account was removed from my credit profile with both Bureaus. The dates for the requested information are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have also send Certified Letters to Transworld systems and have not received a response. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Company Response:
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A