Date Received: 2021-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 2 years ago I had to pay off debts to get my first house. I called they stated to me that if I paid in full that would delete the credit file on all 3 credit reports which they didn't and its holding out family back from buying a new home.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In the XXXX of XXXX I consolidated my defaulted student loans and successfully rehabilitated them. It has come to my attention that University Account Services re-aged a portion ( XXXX XXXX XXXX ) that had been placed with them by XXXX. The fraudulently re-aged loan information was then submitted to XXXX XXXX and upon closing out my loan they reported several years of delinquency ( XXXX ). The date of first delinquency on my student loans was in XXXX of XXXX. I contested the information with all three credit reporting agencies. XXXX has refused to verify the date of first delinquency, but did inform me that they received the fraudulent information from University Accounting Services. I've filed a separate complaint against XXXX. I've consulted a consumer protection attorney and will file suit if this information is not corrected.
Company Response:
State: NM
Zip: 87106
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO: FCRA 15 USC - 1681b(a)(2) 1681d(a)(1)(A)(B) 1681e(a)(b)(c)(e) FDCPA 15 USC- 1692e(a)(b) ACCOUNT#8362****
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: We are receiving repeated calls from XXXX XXXX at Transworld Collections. We do not owe anyone money. These calls are harassing and occurs 1-2 times per-day. We know this is a scam. Our credit rating is very high and our debt not in question. Thank you for your assistance.
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had an old medical account in which Transworld system picked up i called and asked if i paid the debt will it be removed from my Credit report they stated yes pending payment this was now 3 yrs ago an it has a negative impact on me trying to purchase a house. The company is refusing to help.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was not notified of the debt being present, was never given the option to pay for the debt prior to it being posted on to my credit report
Company Response:
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The original creditor, XXXX, was in possession of a security deposit at the end of the lease in XXXX of XXXX and contact information that included my new address ( see attached notice to vacate ), my email ( see attached notice to vacate ), my cell phone number ( see attached notice to vacate ), and emergency contact information from my 2-year tenancy. As an added precaution my mail was also forwarded to my new address ( see attached change of address confirmation from USPS ). According to XXXX costs to repair the apartment exceeded the value of the deposit. When verbally questioned by me XXXX indicated they were unable to reach me with either the itemized list or the bill through the mail. I did not receive a letter at the forwarding address on my notice to vacate or forwarded from my old address through USPS. They claimed they had attempted to mail a letter and that it had been returned. I would encourage you to observe the address on the attached document and confirm that it is indeed a valid address. XXXX confirmed they had not attempted to email or call in the thirty day waiting period before sending the debt to collections, but agreed they should have done so. XXXX then sold the debt of {$910.00} to the Collections agency Transworld Systems on XX/XX/XXXX who never notified me via mail, email or phone that they had taken possession of the debt or that I even had a debt that they were trying to collect. I never received any written communication from Transworld Systems at my new address or forwarded from my old address or any attempts to make contact. I only became aware of the debt and collections attempt after Transworld Systems made a negative mark on my credit report in XXXX of XXXX. I then contacted Transworld Systems directly from the number listed on the credit report to dispute the negative mark and they informed that I needed to speak to the original creditor. I reached out to XXXX who informed me of the reasoning behind the additional charges, explained how they hadn't been able to reach me despite my due diligence, acknowledged they should have put in more effort ( phone/email/the actual address I left them? ), and indicated since they had sold the debt I needed to speak with the collections agency. I then contacted Transworld Systems again to request the negative mark be removed in exchange for payment of the debt since standard procedure wasn't followed and I could not have known about the debt. The collection agency refused these terms by insisting this wasn't their responsibility and that I needed to speak to the government instead. When I repeatedly asked for the department within Transworld Systems that I would need to write a letter to or perhaps a number I could call, the representative I spoke to insisted there was no one at Transworld Systems that could answer my questions and continually insisted the only thing Transworld Systems could do was take payment and that I needed to pay with a debit/credit card. I asked for a mailing address to send a check to, which I received, I wrote and mailed a personal check on XX/XX/XXXX for {$910.00}. The check was cashed ( cleared ) on XX/XX/XXXX ( See attached check image from Bank Statement ). Transworld Systems did not close the account until XX/XX/XXXX, please refer to current credit reports, despite having received the total balance in full within a week of my notification of the debt. Over the last year, I have disputed the negative mark on my credit reports because the Fair Debt Collections Practices Act was not followed, but the negative mark has not been removed by the bureaus despite the blatant disregard of fair debt collection processes. At this point I feel obligated to lodge a formal public complaint against both XXXX and Transworld Systems.
Company Response:
State: UT
Zip: 84116
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have settled a debt with Transworld Systems for the military star card and paid the balance on XX/XX/2021 but they are still reporting the debt to credit bureaus as of XX/XX/2021.
Company Response:
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, i've tried to get this situation resolve alot of times. i was XXXX 2015 at the time of this collection i was not aware of this. i spoke to a rep and i stated that i was only paying it ( {$610.00} XXXX to get it remove from my credit ( Transworld system XXXX she told me that it will be removed. ive checked and its still there. i strongly believe that i should'nt be responsible for someone using my information. please help.
Company Response:
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a letter on XX/XX/XXXX from a collection agency named TransWorld XXXX XXXX the letter stated I owe them {$240.00} for a medical bill and it listed the medical facility name. I did use that medical facility in mid XXXX for an emergency. I am a 100 % XXXX XXXX military vet. I have XXXX different types of medical insurance that I provide every medical facility and all my bills are 100 % paid. So I was shocked to received this letter from this unknown collection agency. I have called and spoke to the medical facility billing department 4 times since receiving this letter trying to extort {$240.00} from me. The medical facility billing department and the doctor billing department does not have any balances owed in my name. They double and tripled checked their records on every call. I have no balance with anyone. I don't owe anyone. They even asked for the fraudulent collection agency name that is trying to extort {$240.00} out of me. They have never heard of this company. So why is this fraudulent collection agency sending me a letter for an account that doesn't exist and trying to extort {$240.00} from me? The original creditor listed on the letter.. has told me on 4 separate occasions I have a {$0.00} balance with them because my XXXX different medical insurances paid my bill in full, like they do for every medical bill I get. I want this fraudulent collection agency TransWorld Systems Inc to be held accountable for their fraud..
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A