Date Received: 2021-01-27
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: A very professional Collection Notice was sent to me regarding a valid home insurance plan I have for my heating system. Once I verified with my insurance company that my account is in good standings, they also told me that they do not work with collection agencies, even if my account was overdue with payments. I then called the phone number for the collection agency directly to inquire. Once I explained that I verified my account was in good standings, they simply said " oh ok ... we'll delete this notice and please ignore ''. This sounded very fishy to me.
Company Response:
State: MA
Zip: 01945
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX Nationwide Credit , Inc. located in XXXX, DE and in other cities and states, sent me a letter earlier to XX/XX/XXXX in which I did not receive by mail, advising me that my account was placed with them for debt collection. Right now, I owe XXXX XXXX via XXXX XXXX {$1200.00} They are offering me an opportunity to resolve this account for less than the full amount by paying {$510.00}. I must call them or log into their website by XX/XX/XXXX in order to accept this offer. NCI is not obligated to renew this offer. Both XXXX XXXX and Nationwide Credit are scamming in order to get people to pay certain amounts for XXXX XXXX and both companies can not and should not be trusted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In the spring of XXXX, I began having an issue with cockroaches throughout my unit at XXXX XXXX. I had been verbally conversing with the manager in an attempt to remedy the situation. The situation became unbearable in the fall of XXXX. The cockroaches were everywhere. On XX/XX/XXXX, I sent a certified letter regarding the cockroach infestation, citing paragraphs XXXX & XXXX of the XXXX lease, requesting a remedy to the issue. Management did not provide a remedy to the issue, nor did they provide a written explanation of any delay. The only action they took was emails to me advising that they went into my unit ( twice ) & took photos & advised that they did not see any roaches. ( I have photos of the cockroaches. ) Because management failed to remedy the issue, on XX/XX/XXXX, I sent another certified letter notifying them that I was legally terminating my lease agreement due to conditions that affect my health & safety, citing Section XXXX of the Texas Property Code & Section 26.1 of the XXXX XXXX XXXX lease contract. I gave 60-day notice on XX/XX/XXXX advising that I would be moving out on XX/XX/XXXX. I moved out on XX/XX/XXXX as previously advised & turned in my keys on Monday, XX/XX/XXXX. In addition, I provided my forwarding address for a final bill to be sent. On XX/XX/XXXX, I received an e-mail from the manager of XXXX XXXX advising that the account would be sent to collections if payment was not received by XX/XX/XXXX. I responded advising that I never received a final bill. She proceeded to argue advising that it was sent XX/XX/XXXX. I never received anything from them. The manager later realized that she had not sent it. Several minutes after my response, I received an e-mail with the final bill - dated XX/XX/XXXX to appear as if she had already sent it. I followed up with a certified letter disputing the charges & advising of the charges that I was willing to pay. Upon tracking the letter via USPS.com, I discovered that the letter was never signed for. In XXXX of XXXX, I received a letter from a collections agency advising that I owed approximately {$1700.00} - despite the fact that I followed the steps outlined in my lease agreement to legally terminate the lease contract due to their failure to remedy my issue ( s ) within a reasonable time frame. Upon speaking with the collections agency, I advised that I had legal grounds to terminate the lease contract & placed the account in dispute & also sent all documentation - copies of certified letters ( including the one that was never signed for ), appropriate sections of the lease contract, photos, etc - all sent via fax with confirmation. When asked what I would be willing to pay, I advised that I would be willing to pay the final water bill if a metered statement could be provided. Approximately 45 days later, they advised that the debt was validated, despite the documentation I submitted.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a debt validation letter to Transworld Systems , Inc requesting to verify two debts in the amounts of {$450.00} and {$63.00} that do not belong to me on XX/XX/2020 and the company has failed to validate my debt. Instead they sent a list of my medical records on XX/XX/2020 which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information.
Company Response:
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The following items are of concern of this debt item showing up on my credit report. 1. Each item exist at the CRA 's, XXXX, XXXX, and XXXX. 2. I do not believe this trade line is owed by me. 3. These items present themselves as if Transworld granted credit to me " credit grantor '' I have no contractual agreement with Transworld. 4. I have requested validation of debt and nothing has been received 5. Data elements on the credit report specified for use by credit grantors are populated by Transworld. 6. There are no monthly terms with a debt collector, please delete this inaccurate and incomplete tradeline. 7. I never added a comment to this account
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: According to a filed action today ( XXXX ) Transworld Systems I ( a debt collector ) has filed a collection charge on my credit for {$150.00} on behalf of XXXX XXXX XXXX. I have disputed this with XXXX - however, I have never heard of this company. We live in California and have no connection to Ohio, or XXXX XXXX. We are trying to get a loan and this is all of a sudden on our record. I have never had a collection or late payment in 15 years and so this is a shock and a critical error. I called Transworld Systems I and they could not even find my information in their system, so I am not sure what to do? Can someone assist?
Company Response:
State: CA
Zip: 95632
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Good Day. i am writing you to assist your help with TRANSWORLD SYSTEMS INC. Debt Collection Company. I sent them several communication request for Validation and Verification of the alleged debt but to no avail. All the Certified mail was returned. ( No Longer at the Address ). I contacted them via phone and thats when they started with asking me for my SSN, and how did i want to pay for the debt. This is not my debt and i do not no how it was reported on my files. WHAT IS THERE MAILING ADDRESS. WHY ARE THEY CALLING ME WITH A LAWSUIT? WHY I CAN'T GET A VERIFICATION FROM THEM.
Company Response:
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This debt collection agency called me XX/XX/2021, XX/XX/2021, and XX/XX/2021. Ive told them several times that Ive been In contact with my insurance company and my insurance company was handling everything on their end to try and correct this. They kept telling my insurance kept denying payments when I just talked to my insurance on XX/XX/XXXX about this and my insurance company told me that it would take several days to take certain things in affect. I told the debt collectors on XX/XX/XXXX that I literally called my insurance company on XX/XX/XXXX and told the debt collection agent that my insurance company said it would take several days to resolve and respond to me the debt collector told me that they will deny it again like the last two times. I told them on XX/XX/XXXX to no longer contact me through voice calls and only through mail
Company Response:
State: NJ
Zip: 08648
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I paid this amount for past due electric on my very first apartment in XXXX added this to my power and shut my power off until it was paid off on XXXX. This should be removed with any decency but legally is reporting incorrect information this account was paid in XXXX not opened.I can no longer access the account payment details but attached the email confirmations.
Company Response:
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My name is XXXX XXXX, a consumer who recently saw a alleged debt on my credit report from Transworld Systems. I have never been in communication with this company about alleged debt and I never gave them approval to have my information or to furnish anything on my credit report. I recently sent a debt validation letter to the company in regards to whats on my consumer report and I have no received a response.
Company Response:
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A