Date Received: 2021-07-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Transworld Systems would verify the debt. So I took it upon myself to ask Transworld Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Transworld Systems would verify the debt. So I took it upon myself to ask Transworld Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This is to advise University Accounting Service , LLC, DBA UAS, LLC, that I do not owe and have not owed for over 35 years any student loans whatsoever. Having graduated in 1979 from XXXX University with a XXXX XXXX, all of my student loans to XXXX were satisfied in full back in the XXXX. Given the many years since they were paid, I do not have any written proof. However, as I recall, all student loans were fully satisfied in a 5-year repayment plan under a Chapter XXXX bankruptcy. The plan was satisfied in full and, if any balances on the loans remained, the balances were discharged under the terms of the Chapter XXXX. Therefore, be advised that I have not owed nor have I been billed for any student loans for well over 35 years. In conclusion, I believe your current attempt to bill me is a SCAM to dun seniors for loans satisfied years ago anticipating that all paperwork to prove the loan satisfied is no longer available. This is to request you desist from your false billing. I am reporting this attempt to collect from me as the SCAM against senior citizens that it is.
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I broke my lease with XXXX in XX/XX/2021 due to security circumstances. I had to pay a debt to break my lease. I have been having communication issues with them due to their negligence on correcting my online account to pay my bill online. I paid the first portion by money order in person ( this was a 30 minute commute for me ) after I addressed them that if they don't fix this I will have it reported, they finally fixed my online account so I was able to pay the final portion of my bill in XX/XX/2021. However, I was still receiving emails from their parent company. I informed them by email again that I paid my bill and if these emails continue I will report them, so they stopped. However, when I checked my mail today ( XX/XX/2021 ), they apparently sent my " balance '' to a collections company. This is false because I have emails, screenshots, and even I can show you a screenshot that this money was withdrawn from my account to XXXX. They have the money. I don't know what they did with it but considering I did my part, it is not fair that they are demanding money that I don't owe them. After many attempts to warn them of this abusive behavior, I'm now forwarding this as a complaint. I also would like to add that this rental property has a reputation in XXXX of taking advantage of people in the poverty line. They would do all they can to take your money and now I can show my story, because they are trying to do this me, even though I paid my bill.
Company Response:
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I checked my XXXX and XXXX reports via login to XXXX. An old debt to XXXX XXXX from XXXX was showing. It was {$450.00}. I had moved and didn't know I had been billed. The name, address and telephone number showing on XXXX for the debt collector is : Transworld Systems I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I called that number and I immediately got the message that the call was being recorded. I said I wanted to pay the XXXX XXXX overdue bill in full. They asked for all of my personal identifying information : name, address, telephone number, social security number, date of birth and debit card number. Each time I gave a piece of identifying information, they repeated it and asked me to say " OK ''. This OK was being recorded because at one point I thought the guy - who sounded foreign - said something incorrectly and he had me repeat the " OK ''. After getting my debit card number. he said the system was slow and he had to put me on hold. Each time I was put on hold, I heard a different recorded ad which said that I was now subscribed to a service I did not want. The first subscription I did not want was for Privacy Lockdown for which my card was charged {$1.00} for 14 days, and then a monthly subscription of {$19.00}. After that first recorded ad, I was very annoyed and I told the man that I did NOT ask for that subscription. I only wanted to pay my old XXXX XXXX bill. He said " Everybody freaks out, but don't freak out. You are not subscribed! '' He put me on hold again, and I got another recorded ad that said I was now subscribed to 1 Per Place at {$1.00} for 14 days and then {$19.00} per month. He came back on the line and I said " I just want to pay my XXXX XXXX bill! '' He told me to hold on that it was going to be paid. Of course I was already suspicious, but the contact information was showing on my XXXX credit report on the XXXXXXXXXXXX website that I logged into. How could this be a scam? My gut said it was, but I hung in there. I wanted to pay off National Grid and I knew that I could have these subscription charges reversed. I was placed on hold two more times. XXXX XXXX on Demand ( who actually sent me a welcome email! ) for {$4.00} for 14 days, then {$59.00} per month, and XXXX XXXX for {$1.00} for the 14 day trial, then {$19.00} per month. At the end he said it was all done, and I asked where is the confirmation that I paid the XXXX XXXX bill? He gave me the confirmation number XXXX, and then said here 's an ad-supported customer service number to call XXXX. I immediately searched for the TSI payment portal and from there found a direct number to them, XXXX. They had not received payment for my old XXXX XXXX bill! I paid the bill on XX/XX/XXXX, and saw the charge on my card. The people at this TSI number told me that my XXXX XXXX bill was now paid and it would show as paid on my credit report. At least I had proof that I paid. I thought this was enough and it would come off my report. I cancelled all the subscriptions charged to my card, then the following day received a notification from XXXX XXXX that there had been an update to my credit report. This TransWorld Systems I updated my credit report to show that the XXXX XXXX bill was a new debt in collections, opened as of XX/XX/XXXX. This is patently false. XXXX XXXX shows this bill is paid and so does TSI, the official debt collector for XXXX XXXX. This company has direct access to my credit report and is actively damaging my credit rating. I don't know if they are actually sales agents for TSI. What I know is that they are able to update my credit report at will and do damage to my rating.
Company Response:
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I recently got some papers mailed to my house from Transworld Systems Inc saying I owe a debt to them of {$1000.00}. I dont know this company never done business with this company this company doesnt have any contract with my written signature.
Company Response:
State: IL
Zip: 60901
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Company Response:
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resident of XXXX XXXX, XXXX Kentucky. Moved out 9 months pre-lease expiration but continued to pay lease until expiration ( on time ). Approximately 2 weeks prior to lease expiration XX/XX/2020 ( week XX/XX/XXXX ), had moving/cleaning company remove items and clean. Notified by cleaning company that kitchen trash compactor stopped working during move-out cleaning process. I contacted via email management and informed that trash compactor inoperable. As such, water that cleaning company used to clean kitchen dishes, etc. could not be drained. Response email stated they would service. Images sent from hire company of cleaned apartment. Later, received a cleaning/repair bill for roughly {$500.00} dollars for cost of trash compactor repair, a non-use water ring in 2nd commode, and accumulated dust collected under the " hob '' of the stove. Company also refused to return rental deposit. I have images and video taken by the moving/cleaning company that show a well-cleaned, undamaged apartment. Images clearly indicate company has used less the minimal wear-and-tear to falsely claim damages and thus, inflated amount of debt.In addition, company has reported this item to all 3 credit reporting agencies. I have phoned the company twice ( have recordings ) and tried to address issue. I have other video but are greater than 10Mb.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX was never sent to me, I never received bill or phone call and suddenly saw a bill collection of {$170.00} in my credit report. I called the company Transworld Systems XXXX XXXX XXXX XXXX, XXXX, DE XXXX ), Account XXXX and they said it was a XXXX XXXX initial medical bill, they didn't even have my correct address. Company refused to delete entry in my credit even though they admitted they never sent out the bill.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
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 also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A