Date Received: 2021-03-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Im not sure what the collection is even for. The company calls and asks me for personal information before giving me details of my debt. However, I keep track of any bills I owe, so this was strange to me. I told them I would not give them personal information over the phone. The clarified that they had all my information, they just needed to confirm my identity. So, I asked for them to send me a letter with the debt, and then I can prove legitimacy. In todays world its hard to tell what is a scam. Plus, when they call, my phone blocks the number as scam likely so I have no idea the actual number they are calling from. They refused to send a letter and have since called me anywhere from 3-5 times every day, Monday - Saturday, for the past year. I will ignore the call and they will call back immediately. Sometimes itll take them hours, other times just minutes. However, they always call back. Ive spoken to multiple people and told them I will not give out person information to a creditor that will not verify information nor send me a letter of my so called debt, as I asked.
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Company Response:
State: TX
Zip: 77504
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Transworld system inc Collection opened XX/XX/XXXX {$330.00} Was flagged as in collections twice in one week. Called XX/XX/XXXX to get information as to what and from where this collection was from. They stated was from XX/XX/XXXX. Faxed in proof XX/XX/XXXX that i did not live at address listed at the time. Called to confirm paperwork was received XX/XX/XXXX and they stated they had received and was under dispute. XX/XX/XXXX flagged as in collections the second time.
Company Response:
State: TX
Zip: 78542
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello, I received a notification today that my credit score was lowered upon investigation i discovered that this company was the reason for the drop. this business has not reach out to me by mail or phone. it is unfair that a business would place a item on my credit credit report without reaching out. I am requesting that this account be removed from the credit bureaus immediately, because it is hurting my chances of further rebuilding my credit.
Company Response:
State: TX
Zip: 77036
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Took out a private loan of XXXX for a XX/XX/XXXX through XX/XX/XXXXXXXX to enhance my career. Once clsss was over the pandemic was in full force so unable to secure job that I had planned on to repay loan as needed. Have contacted them several times to try to setup a payment plan to resolve but no response. Affecting my credit score monthly and I am suffering bc this is ONLY item on credit that is in default. Now its in collections and still no help from company.
Company Response:
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter on XX/XX/2021 stating that I owed a debt of {$18000.00}. It also informed me that I could dispute this and request verification of the debt which I proceeded to do. A written request for validation was sent on XX/XX/2021 via certified mail. Transworld Systems Inc. received the letter on XX/XX/2021. On XX/XX/2021, I received another debt collection letter from Transworld Systems Inc. stating that I could use my stimulus check to pay them. No verification was received, and to my knowledge they can not attempt to collect on this debt until 30 days from the request for verification. They did not provide the information requested, and they attempted to collect on the debt again. No reference to the request for verification was made on the most recent letter.
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH. They stated that I owed XXXX an unpaid balance. After speaking with XXXX they stated they did not know about it. I have never had an account with XXXX, nor have I ever sent anything XXXX. I believe this is fraud.
Company Response:
State: FL
Zip: 34104
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I requested validation of an item reported by Transworld System Inc. I have received my confidential medical records in response without a prior written release, clearly violating my rights under HIPAA. Again, I DID NOT sign a HIPPA release form authorizing Transworld System Inc access to my medical records. Please delete this information from my credit file with all 3 credit bureaus XXXX XXXX and XXXX and cease all collections activities immediately! I will be pursing every legal action available against Transworld System Inc should this item not be promptly removed from my credit report.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I rented a car from XXXX XXXX car company in XX/XX/XXXX. In XX/XX/XXXX, I received a notice from the car company stating that I had received a speeding ticket by photograph and that I would need to pay XXXX {$530.00} to pay the ticket. I contacted DC to try to gather more information to dispute this ticket, as I had been advised that speeding tickets may be contested ( and are frequently incorrect in DC ). I also notified XXXX that I was disputing the ticket. While I was waiting for a result from DC, I then received a second notice from XXXX on XX/XX/XXXX, whereupon I immediately sent a check out for {$530.00} payment to clear up the issue. This is notice XXXX. On XX/XX/XXXX, my check was cashed by XXXX. On XX/XX/XXXX, I received a notice of collections from Transworld Systems Inc. stating that I owe {$100.00}. Transworld said that this was transferred to XXXX XXXX XXXX and the account number is XXXX. The Transworld Reference No. is XXXX XXXX. Attached to the letter from Transworld is a copy of the XXXX notice that states that I owe {$530.00}. There is no mention of an additional {$100.00} owed. I have now called XXXX and Transworld multiple times to get this cleared up and have not had any success ; they just keep sending me the same {$530.00} bill that I have already paid. Please help me.
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: An incorrect amount was submitted by XXXX XXXX to a collection agency " TRANSWORLD SYSTEM '' when I called the collection agency they did not have an right answer for me so I got connected with XXXX via my insurance rep. But XXXX also couldn't provide me an explanation why my balance were higher than insurance determined amount. See Attached letter that was faxed to XXXX along with the EOB from insurance which shows the actual amount that I should be responsible. I had lab work done on XX/XX/2020 after insurance payment/determination I was responsible for {$4.00} but XXXX sent incorrect amount of {$170.00} to the collection agency. Collection agency never sent me a notice/letter out to pay for or settle it. I faxed all the papers to XXXX on XXXX XXXX but did not receive any reply yet.
Company Response:
State: NJ
Zip: 07522
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A