Date Received: 2021-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: During XX/XX/XXXX I was on XXXX and wanted to read an article and when I click on the article my computer screen was locked. On my computer screen I was told to call a certain telephone number to get it unlocked. I called the number and the person said you have a virus and we can fix it for you. But it will cost you {$380.00}. They then asked to log into my computer. I was told to make the check out to XXXX XXXX XXXX. which I did. They also gave me a mailing address. Then they wanted to take a picture of the check from my computer screen which they did. They also wanted a picture of my drivers license. They then got my computer up and running. They said they would call back in a week to make share my computer was OK. Then I thought they were going to charge my checking account twice, once for the actual check and then for the check they took a picture of. I called my bank and talked to the people in their fraud section. The bank froze my checking account and opened a new one for me. Neither of the checks were processed by my bank. I then started getting calls from XXXX XXXX XXXX and the calls came from different telephone numbers. I then deleted the external log in that I had given to XXXX XXXX XXXX Also, I reformatted my computer and added XXXX XXXX detection software. I ran the XXXX software and my computer was clean. Later I received a notice saying that if I did not pay the {$380.00} they would turn it over to a collection company. I kept getting calls from unknown numbers but I did not answer them. On XX/XX/XXXX I received a collection letter from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' They said they were attempting to collect a debt, that now totaled {$410.00}. The Original Creditor was listed as XXXX XXXX and the Current Creditor was XXXX XXXX, XXXX. On XXXX XXXX, I received another collection letter this time from Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Pa XXXX, dated XX/XX/XXXX. They said they were attempting to collect a debt totaling {$410.00}. The Creditor was once again listed as XXXX XXXX XXXX XXXX Once again XXXX XXXX is trying to collect money that was a SCAM.
Company Response:
State: MT
Zip: 59601
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently checked my XXXX report and saw a fraudulent collection from transworld system Inc. I have never done business with this company I dont know this company this company doesnt have a contract with my signature. I reported a fraud report with FTC.gov on this situation.
Company Response:
State: IL
Zip: 60901
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/21 I complaint about Transworld violating any grace period and immediately reporting meeical debt to the credit. At any moment I ask for validation of debt which they keep sending validation papers with personal information from my minor daughter without my hyppa release forms
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$100.00}
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Called by XXXX, told I owed XXXX {$700.00} to XXXX XXXX ( I do not use this energy provider ). Address provided was incorrect. They advised me that someone was likely using my identify and to file a police report, but they also asked for last XXXX of my SSN and mailing address to send physical bill which I gave them. I have since blocked their number. Upon looking this up, others with similar experiences have said the company is XXXX XXXX and that it might be a scam.
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-15
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On XX/XX/2021 I received a letter from Transworld Systems Inc. In attempt to collect a debt on behalf of XXXXXXXX XXXX XXXX XXXX, Account number XXXX XXXX with a balance of {$2000.00} ; in which I responded asking for them to provide me with the 5 things that constitutes validating a debt, and even thats not validation but nonetheless an allegation unless I agree pursuant to 15 U.S. Code 1692g - Validation of debt ; I continued to respond by Denying all allegations and to cease all contact with me on XX/XX/2021. Transworld Systems Inc. contacted me on several Occasions after telling to cease all contact with me, on XXXX XXXX in which was all on a recorded line, A debt collector for the company TSI by the name of XXXX admitted to fraud by telling me that 1. this was an attempt to collect a debt and 2. that she received my information from someone who I did NOT give permission to give my information to anybody which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I proceeded to ask XXXX if there was a senior executive that I could speak with but I was told that I was speaking with the only person who could help me and that she's not aware of these federal laws stated and that if this alleged debt wasn't paid then an attorney would get involved which would result in a negative furnished to my consumer credit file and fines ; which is a violation pursuant to 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. TSI contacted me again on XX/XX/XXXX, XXXX at very inconvenient times that I explained to them I was headed to a funeral, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection " ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Pursuant to 15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of such additional damages but not exceeding {$1000.00} per violation.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2021-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received several calls from Transworld Systems Inc recently, and like most people, I do not really answer unknown calls. XXXX have contacted me before in the past and were not familiar with TSI. I paid a portion in XX/XX/XXXXXXXX ( when they were XXXX ) and then on the following dates, my credit report was flagged several times within the month. On XX/XX/XXXX they flagged my account to the credit reporting agencies. On XX/XX/XXXX they flagged me again. On XX/XX/XXXX, I paid them due to feeling threatened since they were attacking my credit of {$120.00} and on XX/XX/XXXX, they flagged my account again. As of yesterday, 18 days later they flagged the credit bureau again. I feel that these are bad business bullying tactics coupled with the agent telling me they would in many words attack my credit is absolutely horrible and unjust considering I made a payment last month and plan on making one this month, and work on paying this off. I still worry they will attack me in this fashion. I am a XXXX XXXX and single mother and these bad business practices effect how I can care for my child as I just moved to a new city ad they are eating away at my credit score which effects me finding suitable living for my XXXX. My credit score has significantly suffered a loss of 24 points in 35 days despite a payment due to them. This is damaging and I feel the no one should have to succumb to this.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am seeking to validate and verify this alleged debt. This alleged debt is reporting on my consumer report and does not belong to me.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Representatives from this debt collector has been repeatedly calling, seeking someone whom I DO NOT KNOW, for a while, even after I'd told them to cease calling and that I do not know whom they seek! CID said : " Transworld Syst, '' " ( XXXX XXXX XXXX '' on XX/XX/21. However, these reps have called using other numbers, including XXXX.
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This company calls my phone XXXX XXXX times a day and every time they call it starts at XXXX XXXX. I spoke to a representative who wasn't too worried about the fact that they are calling in violation of FDCPA his biggest concern was trying to get an alleged debt resolved. I informed him they were calling prior to the allowed time he said it didn't matter and that they do this all the time. I informed him this wasn't my debt and he said they will continue to call and hung up. They have continued to call daily and all before XXXX XXXX The company calls from different numbers but they all lead to the same company.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A