Date Received: 2021-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I stayed at XXXX XXXX for an internship program in Florida. I left the apartment complex three years ago, around XXXX after being there for 6 months. I had roommates and they were the ones left there after I have vacated halfway early than our lease term of 12 months. That being said, I did not get any of my deposit back. A year after, they sent me a debt collection notice, an amount of which I do not remember anymore. I moved then from XXXX to XXXX XXXX and I was appalled as to how they have managed to involve me in this matter. Although I left earlier than everyone, I decided to get it over it. And I gave them a portion of the amount through Post Office 's Money Order and sent them a letter stating the rest to be filled by my former roommates, if there is any more problems to come, talk to them since I am not the only one in the lease agreement. I have not heard anything else after then. But recently, Debt Collectors under the name of Transworld Systems Inc. kept sending me attempts to collect payments from me for them once again, when I do not have any liabilities on this apartment. And the amount stated is {$730.00} I am not comfortable with this situation and I feel harassed and cash cowed already. They have sent me a couple of letters already and I do not feel safe since they managed to track me on my new apartment, on a new city and state over an issue that happened 3 years ago and does not involve me anymore.
Company Response:
State: NJ
Zip: 08759
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX was paid the balance they said I owe back in XX/XX/XXXX. I send proof ( bank account statements ) that the amount was taken out from my account on XX/XX/XXXX {$430.00} which {$300.00} was for an early cancellation fee and the rest was what I owe for that month. I've spoke with someone from XXXX XXXX and they no longer have any records of my account. I confirmed with my personal bank that the transaction of {$430.00} went through to XXXX XXXX on XX/XX/XXXX. Transworld System Inc is saying that their client XXXX XXXX XXXX says I still owe {$300.00} but when I ask for proof they refuse to send it to me saying " Proof was already mailed to you or we are waiting for our client XXXX to submit more proof of that debt still owe ''. Till this day I have not received any proof that in fact is my debt to begin with. This problem has been going on for months now since XXXX and is now impacting my credit score.
Company Response:
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworlds Systems INC collecting agency has sent a collection notice dated XX/XX/XXXX with the amount of {$300.00} referring to debts to XXXX XXXX XXXX XXXX as the creditor. While I dont have any business account with XXXX and whenever I go to local store at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX to send or return a package I pay immediately the bill. Last time was XX/XX/XXXX with the amount of {$15.00}. So neither I owe any debts ( cause I pay my creator card charges in full every month ) nor got any prior communication regarding this debt claim.
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld systems Inc. Mailing me collection notices for creditor I have never worked with and a debt I have never incurred.
Company Response:
State: WI
Zip: 53705
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Received bill from XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$4800.00}, covering up to XXXX XX/XX/XXXX ( through their private broker, Transworld Systems Inc. ) Paycheck ( weekly ) was garnished XXXX on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. No judgements, no notification prior to were given. Received notice from U.S. Department of the Treasury XX/XX/XXXX ( dated XX/XX/XXXX ) that a payment of {$4800.00} from our federal tax return was paid, by EFT, to XXXX XXXX XXXX XXXX XXXX XXXX. Called Transworld Systems , Inc. ( using number listed on IRS notification ) XXXX seeking a payoff letter. Spoke with XXXX XXXX, employee ID XXXX, who informed me that the payment hasnt reflected and the garnishments would continue for 4 to 6 weeks. He further claimed that the ACTUAL balance is {$5700.00}. I have never received a bill for anything more than {$4800.00}. Mr. XXXX claimed that they update their systems every Monday ( which would be today, XX/XX/XXXX ). Mr. XXXX claimed that an Intent to Garnish was issued XX/XX/XXXX to an old address which he claimed was the only address they have on file. I am not inclined to believe this as we receive regular billing statements at our current address. No yellow sticker, the address is physically printed on the statement. They have received {$140.00} more ( between wage garnishment and federal income tax garnishment ) than I was ever billed for and are knowingly going to collect more they are not entitled to.
Company Response:
State: VA
Zip: 23456
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Transworld Sys Inc/XXXX at address XXXX XXXX XXXX XXXX XXXX, PA XXXX is reporting an account on my XXXX credit report in the amount of {$280.00}. I don't know this company. This company does not have a contract with my signature.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Calling when I dont owe debt. This is a new phone line. They need to stop calling
Company Response:
State: TN
Zip: 37138
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2021 a company by the Name of XXXX XXXX XXXX XXXX A third XXXX XXXX XXXX XXXX whom Ive Never Contracted with ) contacted Me about a alleged Debt using False and Misleading Representations ; according to title XXXX XXXX XXXX. Also violating My Consumer rights according to XXXX XXXX XXXX stating I owe a Debt in the Amount of {$260.00} From a Company called Cornerstone who has not validated the Debt but claims to be the Creditor, which again is False and Misleading I have given notices to this company and told them to stop Contacting Me Via Telephone because I have not giving them any consent or permission to contact me. The alleged Debt lacks validation, or a affidavit of XXXX or XXXX XXXX.
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: When I checked my credit report last fall, I noticed a derogatory mark on my report : a {$980.00} collection from Transworld Systems Inc/XXXX opened XX/XX/2020. I have never had any interaction with either Transworld Systems or the original creditor. I also have never received any sort of information from them ( mail, email, etc. ) stating that I had an outstanding debt owed to them. It is completely unfair that they are allowed to place a derogatory mark on my credit report, negatively impacting my score, without at least attempting to contact me or giving me the chance to address the validity of this debt. It is wrong and needs to be removed from my credit report.
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A