Date Received: 2021-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I went to the XXXX XXXX to address a medical problem. When I received a bill for XXXX dollars it was paid in full in XX/XX/XXXX. This bill was paid in full on. XXXX XXXX. Despite the paid in full bill I began receiving phone calls and collection letters from this company. I tried several times via phone calls to resolve this matter. I told them the date this account was paid. To no avail. Finally, I sent a return receipt letter to the company with a copy of the cashed check. I also told them not to contact me regarding this paid bill. The company received the letter and the copy of the canceled check on XX/XX/XXXX. XXXX XXXX continued to contact me. They also referred me to a collection agency. TSI. This is sloppy business practice. It is dangerous customer service. This company has ignored the evidence that this bill has been paid. Account number XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was never evicted. I do not owe this company this amount of money. They are charging me 6 months of rent when I was not living there. I Never signed a lease with them. This is affecting me being able to get approved at other rental companies. I have good rental history prior to this. Transunion removed this account after dispute. Please do the same. Thank you
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX oXXXX XXXX I was in a severe motor vehicle accident, and spent 5 days in the trauma unit of XXXX XXXX XXXX XXXXXXXX Hospital. I was insured by XXXX XXXX XXXX at the time, and they initially denied coverage for some of the XXXX medical bills. I appealed that denial, and was successful in my appeal. During the lengthy appeal process, several bills were sent to Transworld Systems Inc. ( TSI ) by XXXX for collections. I informed TSI that they were disputed medical bills, and that I was appealing their status with my insurance company. I had also communicated the dispute to the XXXX XXXX XXXX XXXX Hospital billing department long before they sent the bills to TSI for collections, and I made TSI aware of that fact. I continued to inform TSI that the appeal was ongoing, and yet TSI reported them as delinquencies to the credit bureaus in what I feel is a violation of 15 USC 1692e ( 8 ). TSI is continuing to report inaccurate negative information on me to the XXXX XXXX and XXXX credit reporting bureaus. I have attempted several times to resolve this issue with TSI via phone and fax, but have been unsuccessful. I have also contacted XXXX XXXX XXXX billing, who has informed me that only TSI can address my issue. I have documentation of my communications with TSI and XXXX if that is useful to you. I have also filed disputes with each of the three credit bureaus, only one of which ( XXXX ) has removed the negative reporting. The items being reported are shown as account on my credit reports. The items are four medical bills place with TSI by the XXXX XXXX XXXX XXXX Hospital Medical Group between the service dates of XXXX XXXX 2016 and XXXX XXXX. 2016. It is also worth noting that I paid the bills out of pocket while the appeal process with my insurance company proceeded. I mentioned this to one of TSIs representatives on the phone, who then indicated that by paying the bill I was myself implying that the bill was legitimate, which I feel was a false representation subject to 15 USC 1692e ( 2 ) ( A ). My credit reports do show the items as paid, but that does not remove the negative reporting of collections. Presuming I can upload a file with this request, I am providing supporting documentation of the illegitimacy of the disputed items. This documentation includes a communication from XXXX XXXX XXXX indicating that my dispute had been resolved in my favor. An Explanation of Benefits ( EOB ) is included which details the charges for the period of the dispute, of which some are the subject of the false delinquencies being reported by TSI to the present. This EOB show that some bills were initially rejected, and then paid after the dispute resolution. Because the bills which were sent to TSI we the responsibility of XXXX, and XXXX has confirmed that, I feel that it is wrong for these items to adversely affect my credit rating.
Company Response:
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX phone : XXXX. This company is charging XXXX dollars a month in interest fees. The charges amount to at least XXXX percent of the original balance. An original bill of XXXX is now XXXX. This is simply not right. The company refuses even to settle. I did sign up fo a revolving account.
Company Response:
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Around XXXXXXXX, I became aware of a account that was Fraudulently opened with XXXX XXXX via my credit report for a collection from Transworld Systems for the amount of {$340.00} I have called XXXX XXXX many times, and followed all instructions they have given me to get this debt collection removed. This month i was finally able to speak to a general customer service rep who informed me of all the details of the fraudulent account. See details of this fraudulent account below : - Fraudulent account # XXXX - Fraudulent Address : XXXX XXXX XXXX, XXXX Tx XXXX The main & only avenue they provided me to adress this was to email XXXX and provide them with the following : - Copies of two ( 2 ) types of utility bills or formal correspondence such as tax, employment or school documents in your name from different vendors/providers as proof of residency during the service dates under investigation - A notarized ID Theft Affidavit ( stating you are willing to press charges if necessary ) Copy of a full Police Report ( Please note that a report number will not be sufficient. We need a complete copy, obtained from the police department. ) - A legible copy of your Social Security Card - A valid government-issued photo identification card ( for example, your driver 's license, state-issued ID card or a passport ) I have done all those things, and have called back to their fraud department XXXX ... i have not received a response by email or not have been able to reach anyone at his point. I did not open any account with XXXX XXXX & feel at this point i am not getting any help to remove this fraud from my credit reports.
Company Response:
State: TX
Zip: 77498
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I call to advised Transworld Systems Inc. that the debt they're attempting to collect on behalf of the reference Creditor 's Account # XXXX from the facility XXXX XXXX XXXX XXXX XXXX was settled and cleared in a letter dating XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating : " This letter is being sent to notify you that a charity write off has been applied to the account listed on this letter. The account is now considered closed. '' Transworld on the XX/XX/XXXX phone called referenced another medical company " XXXX XXXX '' unbeknownst to me and not found nor referenced on the debt collection letter.
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Transworld Systems is trying to collect a debt sold to them by XXXX XXXX for {$200.00}. In 2020, I had an electricity contract with XXXX XXXX XXXX NOT XXXX XXXX. XXXX XXXX XXXX can not provide an accurate record of amounts owed and paid. Transworld Systems provided invoice XXXX from XXXX XXXX XXXX for {$500.00} as evidence of a claimed {$200.00} debit for XXXX XXXX. Transworld Systems has not provided any evidence I owe {$200.00} to XXXX XXXX. An invoice from XXXX XXXX XXXX for {$500.00} is NOT evidence of a debt to XXXX XXXX. Please require Transworld Systems to show this is a valid debt. They are damaging my credit by claiming I owe something they cant prove I owe. My wife is XXXX due to XXXX XXXX and we have XXXX children. I need clean credit to support my family. Id pay these extortionists off but they refuse to remove this from my credit report in return for payment. Please help me get some justice by making Transworld Systems follow the law! PS I filed a complaint # XXXX with the Pubic Utility Commission of Texas to get XXXX XXXX XXXX to provide an accurate record of amounts owed and paid. I pay my debts but demand they are accurate and correct.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I first filed a complaint with CFPB on XX/XX/XXXX regarding this issue. On XX/XX/XXXX, Transworld Systems Inc. provided " debt validation '' as response. This " debt validation '' document was impossible to read and completely illegible due to low resolution. After further communication with Transworld Systems Inc., XXXX XXXX, Division XXXX of Transworld Systems Inc., requested a clearer copy from their client, " XXXX XXXX XXXX XXXX XXXX XXXX ''. On XX/XX/XXXX, XXXX XXXX forwarded me a clearer document from the client ( attached ). This document is a " Civil Recovery Demand ''. Under the FDCPA, a debt is defined as a consumers obligation to pay money arising out of a transaction in which the money, property, insurance or services [ being purchased ] are primarily for personal, family or household purposes ( 15 U.S.C. 1692a ( 5 ) ( 2011 ) ). There was no transaction or any record of transaction between myself and the client, " XXXX XXXX XXXX XXXX XXXX XXXX ''. There is no court action, pending or otherwise. There was no lawsuit or civil action. Therefore, this is not a " debt '' that is collectable.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have a judgment against me and I have been trying to get in contact with someone about resolving the issue. I am being told that my file is " archived '' and that they can not open the file. In the same conversation I was told I had a XXXX balance and in the next breath I am being told I have a balance. They will not send me anything at all. Each time I call I have been transferred to another department or given a fake voicemail or hung up on. They refuse to send me anything because the file is " archived '' I keep getting told that my file isn't handled by this department and keep getting phone numbers for other departments. And when I call them or if they transfer me ( without hanging up ) then that department tells me they can't help, it is another departments responsibility. I started this endeavor on Friday, XX/XX/2021 and today, XX/XX/2021 have tried to resolve my issue, but to no avail. So for over a week I have been jerked around and it is getting old.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: So I had received a call saying a owed money for XXXX XXXX XXXX XXXX but i thought it was a scam and i cut the call. However, I received a main XX/XX/2021 stating that this was an attempt to collect debt. I contacted XXXX and they said I don't owe anything and nothing was reported for collection. I called the number on the letter and they stated that enterprise doesn't have information on this, which is clearly not true. I genuinely think this is a scam because I have never rented a car with XXXX and and confirmed with them too that I don't owe anything.
Company Response:
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A