Date Received: 2021-08-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: While reviewing my credit report in XX/XX/XXXX, I discovered an open collections account for {$180.00} from TSI/940. After finding contact information, I called TSI and requested documentation for this debt, and expressed that I had never received anything to support this, thus believed this to be inaccurate. The collector insisted several times that I make a payment with my credit card. I was told that even if I paid the debt, I would not receive a letter. Concerned that this was a scam, I denied making any payment until I received documentation to show this was a valid/accurate debt. After recently applying for a mortgage with my husband, I received notification from the lender of a Derogatory Account. Obviously, this was a severe negative impact to our home buying process. I learned this was reported XX/XX/XXXX - nearly 9 months after my initial request for documentation. Since I did not receive notice of this being reported to the consumer reporting agencies, I waited 30 days before calling TSI again ( ref. FCRA ) in case something would come in the mail. I received nothing. On XX/XX/XXXX I called Transworld Systems , Inc. and spoke with XXXX XXXX who provided me with the following information : {$180.00} is from an invoice dated XX/XX/XXXX Reported to TSI agency on XX/XX/XXXX I requested that she provide me with the dates for any mail correspondence that XXXX sent me. She provided only two dates : XX/XX/XXXX : Letter containing debt information XX/XX/XXXX : Letter offering payment arrangement, asking " how can you resolve this bill? '' Since I never received either of the two letters she referenced, I asked that she confirm the address she has on file. She had the correct address. She also advised that the collection was reported to all 3 agencies 3 times and provided the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XXXX XXXX XXXX This has had a major impact to my credit score. To date, I have not received anything in the mail allowing me to validate this debt. However, they continue to call me several times a day, from various numbers. Many of these calls come through my phone and say " Spam Risk ''. Several times I have answered and been hung up on. I do not have any voicemails from this company. When I reference the numbers I receive calls from, they do not match those which I find when doing a search online for TSI. I believe all of the above to be unfair and unethical collections practices - such as failure to provide notification and/or validation of debt, and failure to provide notice of reporting to consumer reporting agencies.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company has repeatedly harassed me about a dept Im not liable for. I have no financial obligations to the institution for whom they claim to represent
Company Response:
State: MA
Zip: 01605
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been Disputing a Debt that has been sent to Transworld System Inc regarding a payment for rent that I do not owe. I have one them proof that due to a change in staff and the apartment complex not being able to properly keep track of their bookkeeping, I do not owe this debt. They have admitted to making this mistake as this mistake almost made me go into eviction. Transworld continues to report the item on my credit report. They have sent me a copy of the rental agreement which is missing my signature, and it is not enough proof to continue to report this item as I have always paid up to date my rent.
Company Response:
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RECEIVED LETTER THROUGH THE MAIL ADVISING OF DEBT OWED. NO VERIFICATION OF THE VALIDITY OF THE DEBT.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On or about XX/XX/XXXX, a collection account for {$140.00} appeared on my credit report from Transworld System for debt I allegedly owed XXXX XXXX XXXX. I was seen at the XXXX XXXX XXXX Emergency Room on XX/XX/XXXX and my insurance was billed over {$5000.00} for the visit. I personally owed {$350.00} not covered by insurance and paid the bill within hours of receiving it. When this collection appeared on my credit, I called XXXX XXXX XXXX first and they said that they can't help me because they never sent my account to collection by Transworld System. I disputed the account with XXXX who ruled in my favor within an hour. But it remained with XXXX. I also disputed it with XXXX on XXXXbut the outcome of their investigation is that the collection account was verified as accurate, which it is not. I have also tried calling Transworld System but they do not pick up the phone. My credit score was in the mid 700s until this incident when it dropped by 100 points overnight while i am trying to purchase a house. Thank you in advance for your help!
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: the accounts were closed 3 years again and they are reporting it as if it is new
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: XXXX XXXX XXXX : Retail Store Card for activity duty and retired service members and there family. I Got behind on my XXXX XXXX and was unable to catch up my payments when I started working for XXXX XXXX XXXX XXXX XXXX contacted my job and started taking money from my pay a different amount each time depending on what I make every two weeks I contacted this collection agency and try to set up a payment plan and they would not work with me they wanted all are nothing. I tried reaching out to them again to settle the debit with the original amount of the credit card which was XXXX I told them I could settle the debit in two schedule bank drafts payment and was willing to give them my bank information and two dates that were within 30 days to draft the payments. The collection agency told me to call back when I have all of the XXXX to pay on the same day. The collection company is charging me high interest fees and collection fees every month only about 1/3 of the monies they are taking from my pay is going towards paying off the debit. The original credit amount was XXXX and now with all the interest and collection fees I owe over XXXX dollars so far the collection agency has garish XXXX from my paychecks and not even half has been put towards the debit just paying collection fees and interest the debit is steady going up and not down.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This company has released my medical information without my permission. They are violating my HIPPAA rights and I just want justice. The accounts are paid in full.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A