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: 85044
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Transworld Systems I is reporting a fraud collection account on my credit report. I have disputed this fraud account several times with the creditor and the credit bureaus. This is a violation of the Fair Credit Reporting Act. The debt is in the amount of {$430.00} and the address associated with the address is XXXX XXXX XXXX XXXX, TX XXXX. I have never been to this address or been associated with this address. This is a fraud account that was opened in my name for electricity service.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX is the servicer of my student loan XXXX. I am XXXX. In XX/XX/XXXX there was a judgement placed on my home without my knowledge.I know there is a case going on now in court. I want to know what is the status on this case because I need the judgement removed from the court records. I need my home refinanced at a lower interest rate because i am on a fixed income. Thank you very much,
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid in full XX/XX/2021 Im requesting removal of collection account on my credit profiles XXXX XXXX and XXXX immediately upon receipt of this notice
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: UAS is attempting to say that I did not make a payment on my account for 3 months when there was a gap in my student loan forbearance. I have emails, screen shots, and payment confirmation showing that I did pay that amount. The emails also show that I spoke with them to make sure that when I paid the amount, my account would be current and my deferment would resume as I started graduate school. I have email payment confirmations showing that I made the payments they are referring to. They sent my account to collections now (XX/XX/XXXX ) saying I never paid back in XXXX, when we already resolved that issue. They refuse to take the account back from collection, therefore ruining my credit.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Back in XXXX I disputed an account with Transworld Systems Inc. They did not respond to that letter. They are reporting on my credit, I believe it is my right to request information. They have since added another account to my credit for seemingly no reason at all. They have never sent me any information at all, ever. This is extremely disturbing. PLEASE HELP ME! THEY SHOULD NOT BE ALLOWED TO JUST REPORT INFORMATION ABOUT SOMEONE!
Company Response:
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, and XX/XX/XXXX, Transworld Systems I added derogatory marks on my credit report to all 3 credit bureaus. Upon, further research, these accounts were transferred and sold and I am no longer responsible for the account. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA Transworld Systems I has violated my rights as a consumer and I'm requesting legal action to remove these accounts immediately.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, I refinanced my University Accounting Services ( UAS ) loans with a different servicer/lender ( XXXX ). On XX/XX/XXXX, I received notice from my new servicer ( XXXX ) that a payoff was sent to UAS. On XX/XX/XXXX payments were applied to my UAS account from this payoff. A total of {$66000.00} was applied in payments. However, my loan refinance that should have been applied and sent by XXXX to UAS is in the amount of {$83000.00}. To this date, XX/XX/XXXX, the correct amount has not been applied by UAS. I contacted UAS regarding this issue on XX/XX/XXXX. I was told by the UAS customer service representative that the check number and/or a copy of the check that XXXX sent to UAS would be the necessary information in order to ensure that the full loan payoff amount is applied to my UAS account. On XX/XX/XXXX, I sent a copy of the requested check, which was a XXXX XXXX, to a UAS customer service representative who then forwarded it to the appropriate accounting services department. On this date, XXXX was able to confirm that the check had been cashed on XX/XX/XXXX. On XX/XX/XXXX, I followed up with an e-mail requesting to know the status of the resolution to this issue. On XX/XX/XXXX, I received a response from UAS stating that a payment research request was sent to the accounting team. On XX/XX/XXXX, I again sent an e mail requesting to know the status of this issue and was on XX/XX/XXXX that customer service still had not heard back from the accounting team. On XX/XX/XXXX I sent another e-mail inquiring about a resolution to my problem and was told that same day in an e-mail response that they had still not heard from the accounting team.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 1 RECEIVED SUSPICIOUS CELL PHONE CALL. CALLER MENTIONED PAST DUE DEBT WITH XXXX CREDIT CARD AND WANTED FURTHER INFORMATION KNEW MY NAME ( BUT REFUSED TO IDENTIFY THEMSELVES ) BUT SINCE I DID NOT HAVE ANY CHASE CREDIT CARD OR ACCOUNT AND HAD NEVER RECEIVED ANY BILLS, NOTICES OR ANY TYPE CORRESPONDENCE FROM XXXX CREDIT CARDS FIGURED IT WAS A SUSPICIOUS PHISING CELL PHONE CALL & DID NOT PROVIDE ANY INFORMATION AND HUNG UP! ( VERY VERY SUSPICIOUS )?? 2. RECEIVED CALL FROM ATT ASKING IF I HAD SUBMITTED A REQUEST TO TO " CHANGE MY E-MAIL ADDRESS ''??? ADVISED ATT I HAD NEVER REQUESTED TO CHANGE MY E-MAIL ADDRESS AND TO PLEASE LEAVE IT THE SAME AS IT'S ALWAYS BEEN. ( AGAIN VERY SUSPICIOUS )??? 3. RECEIVED CALL FROM OUR BANK ( XXXX XXXX ) THAT XXXX XXXX XXXX HAD TAKEN ADVERSE ACTION AGAINST ME AND PLACE A NEGATIVE STATETMENT ON MY CREDIT REPORT STATING I HAD AN UNPAID CREDIT CARD CHARGE NOT PAID??? I HAVE NEVER EVER EVER HAD A CHASE CREDIT CARD, NEVER EVER EVER MADE ANY PURCHASES NOR RECEIVED ANY BILLS, NOTICES, OR ANY TYPE CORRESPONDENCE FROM XXXX CREDIT CARDS AND THOUGHT BY LAW A CREDITOR MUST NOTIFY A CONSUMER OF ANY TYPE ADVERSE ACTION. XXXX CREDIT CARD NEVER NOTIFIED ME OF THIS ADVERSE ACTION ONLY OUR BANK WAS KIND ENOUGH TO CALL AND REPORT THIS ... IF NOT FOR OUR BANK I WAS NOT EVEN AWARE THIS ADVERSE ACTION HAD BEEN TAKEN. . I THOUGHT THIS WAS " HIGHLY UNETHICAL BUSINESS PRACTICE TO PLACE NEGATIVE INFORMATION ON MY CREDIT REPORT WITHOUT EVER BEING TOLD AND NEVER RECEIVING ANY TYPE BILLS OR NOTICES OR CORRESPONCE ... HIGHLY UNETHICAL!! 4. UPON LEARNING OF THE ADVERSE FRADULENT CREDIT CARD INFORMATION ON MY CREDIT REPORT IMMEDIATELY CONTACTED XXXX XXXX XXXX ( BY PHONE ) AND SPOKE WITH THEIR FRADULENT CREDIT CARD OFFICE AND THEY STATED THEY WOULD INVESTIGATE THIS AND CONTACT ME. ( I'VE NEVER EVER RECEIVED ANY CORRESPONDENCE FOLLOWING MY CALL TO XXXX CREDIT CARD FRAUD DEPT )???? ( AGAIN HIGHLY UNETHCAL BUSINESS PRACTICE??? 5. FOLLOWING MY PHONE CALL TO XXXX CREDIT CARD FRAUD DEPT SENT " US MAIL CERTIFIED LETTER TRACKING # XXXX XXXX XXXX XXXX ON XX/XX/XXXX TO XXXX CREDIT CARD PROVIDING A DETAILED SUMMARY OF WHAT HAD HAPPENED AND EXPLAINED THAT I NEVER HAD A XXXX CREDIT CARD, NEVER RECEIVED ANY BILLS, NEVER RECEIVED ANY TYPE NOTICE OR CORRESPONDENCE AND WAS VERY UPSET THAT XXXX CREDIT CARD HAD TAKEN ADVERSE ACTION AGAINST ME TO PLACE A FRADULENT CREDIT CARD CHARGE ON MY CREDIT REPORT WITHOUT MY KNNOWLEDGE AND THAT I WANTED THIS ADVERSE INFORMATION REMOVED AND DISPUTED ANY CHARGES. 6. PLACED FRAUD ALERT ON MY CREDIT REPROT AND FROZE MY CREDIT REPORT TO PREVENT ANY FURTHER FRADULENT CHARGES ON MY CREDIT REPORT. 7. THE US POSTAL SERVICE VERIFIED THAT MY CERTIFIED LETTER MAILED ON XX/XX/XXXX HAD NOT BEEN DELIVERED TO XXXX CREDIT CARDS UNTIL XX/XX/XXXX DELAYED DUE TO THE PANDEMIC AND LIMITED POSTAL SERVICE DELIVERY. ( SO XXXX COULD NOT RESPOND BECAUSE THEY HAD NOT RECEIVED MY CERTIFIED DISPUTE LETTER AND THE POSTAL SERVICE HAD TAKEN AN UNBELIEVEABLE 2 MONTHS TO DELIVER IT TO XXXX CREDIT CARDS. 8. FILED COMPLAINT WITH THE MISSOURI ATTORNEY GENERALS CONSUMER PROTECTION DIVISION CASE # XXXX FOR FRAUD INVESTIGATION ASSISTANCE. 9. FILED XXXX XXXX POLICE REPORT FOR IDENTIFY THEFT AND FRAUD ( XXXX XXXX POLICE STATED IT SMELLED A LOT LIKE IDENTITY THEFT ) 10.RECEIVED DEBT COLLECTOR STATEMENT FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX EMAIL MYACCOUNT.NCIRM.COM ATTTEMPTING TO COLLECT THE FRAUDELENT XXXX CREDIT CARD DEBT AND GIVING ME 30 DAYS TO RESPOND. 11. HAVE RESPONDED TO NATIONWIDE CREDIT , INC VIA E-MAIL AND ADVISED THIS DEBT COLLECTOR THAT I NEVER HAD ANY XXXX CREDIT CARD, NEVER MADE ANY PURCHSE, NOR BEEN BILLED BY THEIR BILLING DEPT OR SENT ANY TYPE CORRESPONDENCE WHICH I THOUGHT WAS HIGHLY UNETHICAL. PROVIDED A COPY OF MY CERTIFIED LETTER ( WITH ALL THE FACTS IN THIS MATTER ) AND EXPLAINED IM XXXX YEARS OLD, RETIRED CAREER MILITARY AND XXXX VETERAN AND THAT BY LAW A CONSUMER IS ONLY REPONSIBLE TO PAY {$50.00} FOR A FRAUDULENT CREDIT CARD CHARGE AND THAT I WOULD DO THIS ONLY IF THE UN-ETHICAL XXXX CREDIT CARD COMPANY REMOVED THEIR ADVERSE ACTION FROM MY CREDIT REPORT. OTHERWISE I'VE HAD ENOUGH, PHONE CALLS, CERTIFIED LETTERS AND E-MAILS NOW TO A DEBT COLLECTOR COMPANY ATTTEMPTING TO COLLECT A FRADULENT CREDIT CARD CHARGE ON BEHALF OF A HIGHLY UNETHICAL CREDITOR. I ADVISED NATIONWIDE CREDIT IF THEY WANTED TO CONTINUE COLLECTION ACTIONS AGAINST ME ON BEHALF OF AN UNETHICAL COMPANY THAT I DIDN'T WANT TO RECEIVE ANY FURTHER NOTICES FROM THIS DEBT COLLECTOR COMPANY AND THAT IF THEY WANT TO CONTINUE PURSUING THIS TO COLLECT A FRADULENT CHARGE TO SEND THEIR COLLECTION MAIL TO THE MISSOURI STATE ATTORNEY GENERALS OFFICE CLAIM # XXXX AND TO XXXX XXXX XXXX POLICE DEPT IDENTITY THEFT AND FRAUD DIVISION TO ASSIST THEM WITH THE ONGOING INVESTIATION OF THIS MATTER, HOWEVER THEY WERE WELCOME TO CONTACT ME IF BY LAW I PAID {$50.00} FOR THE FRADULENT CC CHARGES CLAIMED BY AN UNETHICAL CREDIT CARD COMPANY ONLY ONLY IF THE UNETHICAL XXXX CREDIT CARD COMPANY REMOVED THEIR UNJUSTIFIED ADVERSE ACTION FROM CREDIT REPORT AND UNLESS THIS WAS DONE BY THE UNETHICAL CHASE CREDIT CARD COMPANY THAT I'D HAD ENOUGH AND AT MY AGE DIDNT NEED ANYMORE MADE ENOUGH CALLS, CERTIFIED LETTERS, COMPLAINT FORMS AND THAT I'D GO TO MY GRAVE AND NO MATTER HOW HIGH AND DEEP THE WATER GETS, I WILL ADAMANTLY REFUSE TO PAY AN UNETHICAL CREDIT CARD COMPANY FOR " FRADULENT CREDIT CARD CHARGES '' CHIEF XXXX XXXX ( USN MILITARY RETIRED ) XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX EMAIL : XXXX.
Company Response:
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I don't have any collections with TransWorld Systems.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A