Date Received: 2021-04-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Transworld systems Inc sent me a letter saying I owe about XXXX and then on the phone said I owed XXXX XXXX due to Interest charges, fees, etc. They also call me 5x a day and are very rude even though Im trying to figure out a repayment plan since I lost my job due to covid.
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I'm being sued for {$25000.00} by XXXX XXXX XXXX for loans from XXXX and XXXX. They do not have evidence that had such a loan included in their trust before bringing on the suit. They said I made a payment in XXXX but have no records of it. The lawsuit came out of nowhere. I am currently a student and unemployed.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They trying to collect a debt from XXXX XXXX that I never had.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted XXXX about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could XXXX verify this account. Surly they never investigated.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Leasing company has tried to ruin my refit by placing a creditor for an amount that was never discussed upon leaving the complex. They show a contract that was not accurate and fees that do not match up.
Company Response:
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I got a letter from XXXX saying that I owed them XXXX and XXXX I immediately requested validation for this as I did not know where this was coming from. They sent a document disclosing all of my personal medical information I never sign a form or gave them authorization to obtain any of my personal medical records Requesting immediate removal of this debt for violation of my hipaa rights.
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Nationwide Credit , Inc., is attempting to collect a debt that is not overdue, is not in collection, and the account is open and current. I have attached copies of my OPEN account, showing the account is active with not payment due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX, XXXX XXXX XXXX XXXX XXXX ( " XXXX ' ) and/or its representative Transworld Systems , Inc. ( " TSI '' ) are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards XXXX ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when XXXX and/or its representative TSI began contacting the XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or XXXX to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions. Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to DFAS on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off XXXX ' claimed indebtedness only {$130.00} or thereabout, was being applied towards XXXX ' claimed indebtedness and the remaining amount went towards fees. Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''
Company Response:
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: When applying for a mortgage in XXXX, I was informed a derogatory account was on my credit report from a company called Transworld. I've never heard of or done business with them. I tracked the company down and was told I owed a medical debt of {$120.00} to a lab in New York. I had moved more than a year earlier to Colorado. I explained I never received a notification of the bill. We had gotten new insurance, in a new state. I offered to pay the debt immediately. However, Transworld told me once paid, they would not remove the derogatory account from my credit report. I explained I had no notice of this bill or opportunity to dispute and would have paid had i known. They told me " we aren't here to help you. We work for the client, XXXX '' and hung up on me. So I called Ameripath/quest diagnostics and paid the bill directly to them onXX/XX/2021. However, they have still refused to remove the derogatory account, which is affecting my mortgage. It is the only blemish. It's unfair to have been given no notice. My phone number didn't change. They didn't call.
Company Response:
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I originally wrote Transworld systems ( TSI ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both XXXX and XXXX in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the Transworld collections off my report. TSI put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent Transworld Systems copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time. Based on the aforementioned, Trasnworld system should remove the collections from my report. I even I called Transworld systems numerous times and they keep giving me the runaround and told me to call the XXXX XXXX. Transworld systems is the collection agency for XXXX XXXX and there is nothing XXXX XXXX can do. Transworld is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with XXXX XXXX and XXXX, but XXXX was the only one who removed the collections. XXXX and XXXX will not take it off because transworld will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX. I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at Transworld system they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A