Date Received: 2023-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice that I was put in collections for a utility bill by Transworld services. The bill is for a XXXX TX address and I live in XXXX XXXX TX. I have never owned a property or lived in XXXX TX. They told me they would investigate but when I call for an update they say they are still investigating.
Company Response:
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: a letter was sent to me stating i owe money my rights have been violated 15usc 1692b
Company Response:
State: WA
Zip: 98387
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: TRANSWORLD SYSTEMS INC. Must respond to debt validation letter
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, I received a collection notice from Transworld Systems INC. seeking to collect an alleged debt of {$120.00} claimed to be owed to XXXX XXXX. I immediately disputed this debt by sending a validation request letter to Transworld Systems INC. asking for verification of the debt and proof they are licensed to collect debts in California. Transworld Systems INC. responded stating their XXXX debt collection license was " pending '' but provided no license number. I sent a follow-up letter on XX/XX/XXXX, requesting written proof that Transworld Systems INC. had submitted its license application in XXXX by XXXX XX/XX/XXXX deadline to operate legally during pending status. Transworld Systems INC. failed to provide any response or documentation validating that their license was properly applied for in XXXX by the legal deadline. After waiting for the requested timeline, I sent a final notice on XX/XX/XXXX, informing Transworld Systems INC. I still disputed the debt since they can not prove valid licensing. They did not reply and continued collection efforts. I request a full investigation into Transworld Systems INC. and their lack of valid XXXX debt collection licensing while attempting to collect on this disputed account. Their practices appear unlawful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90033
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I reached out to this debt collector named Transworld System Inc on XXXX once I discovered the item on my credit report. I searched for the company online and there are conflicting phone numbers. I XXXX their address which is a XXXX XXXX XXXX XXXX, DE to see if I could find a phone number for them.which appears to be XXXX. I called the number and I spoke to a representative whom asked for my date of birth and the last four of my social and could not find any debt on file. He said Transworld has different divisions but could not instruct me on how to get in contact with any of the other divisions of Transworld. The debt showing on my credit report is {$500.00} and it has been reporting since XX/XX/2022. I have never entered into an agreement from this company. It also states that the original creditor is XXXX XXXX which is an utility company. I live in XXXX and XXXX XXXX doesn't service this city or the State of Texas and I have never entered into an agreement with this company.f
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On or around XX/XX/2023 I received an alert from XXXX XXXX that had a collection placed in my name from Transworld Systems. After review, it appears the original creditor is " XXXX XXXX XXXX '' for a charge of {$420.00} for an account opened on XX/XX/2023. XXXX XXXX XXXX is based in Texas, where I have never lived or had any utility services. Someone was able to open an account in my name through fraud. The account was closed and a collection placed that is affecting my credit. I called the company but they informed me I needed to go through these steps in order to have this negative occurrence and collection removed. They offered no assistance or details on how this account was opened without my knowledge or consent. I received no calls, emails, texts or notifications from XXXX XXXX XXXX notifying me an account had been opened or that a debt was owed until this collection appears on my credit alerts.
Company Response:
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld System Inc formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company has stolen my information not once but twice and keeps harassing that I owe them money!! I have asked them to provide me with the original contract with my signature which they can't provide. They changed there name so that they can collect and steal money from people. I want them shut down and put out of business!! I also want to be paid for them putting something on my credit report that is not legit.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against Transworld Systems Inc for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given TSI any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with TSI and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving TSI any right to collect on this alleged date. It is my belief that TSI is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from TSI before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If TSI can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TSI can provide me with sufficient documentary evidence that I have the legal obligation to pay them for a wireless product. They have no product, phone number or anything attaching me to debt. If this documentation can not be produced and TSI continues its collection efforts I will file for litigation for actual damages caused and TSI will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also TSI has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection letter from Transworld Systems , Inc alleging that I owe a debt to XXXX in the amount of {$60.00}. I immediately wrote a letter to Transworld to dispute the debt as " not mine '' and asked for proof that I owe this alleged debt. I have yet to receive any response to my request. I did contact XXXX and it appears that they made a mistake and billed the incorrect person. XXXX has corrected their error, however Transworld Systems , Inc. refuses to remove the fraudulent account from collection even though there is nothing to collect. I have filed complaints with the Texas Attorney General as well as with the XXXX. Upon searching this company online, there have been a multitude of people that have experienced similar situations as mine. This is a fraudulent collection account that never should have been placed for collection to begin with because it belongs to another person- not me.
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am writing to formally file a complaint against Transworld System Inc, a collection agency, regarding their unethical and damaging debt collection practices. I believe that these practices are not only harmful to my financial well-being but also raise concerns about the legitimacy of the debt being collected. Firstly, I am deeply concerned about Transworld System Inc 's practice of splitting one account into two separate collections. This action not only confuses the issue but also has a detrimental impact on my credit history. I have observed that they have divided the debt associated with my apartment lease into two separate accounts, without any reasonable explanation or justification. This appears to be a deliberate strategy aimed at causing further damage to my credit report, which is not only unfair but also a violation of my rights as a consumer. Secondly, I have serious reservations about the accuracy and fairness of the debt being collected in the first place. The original creditor, my landlord, is apparently adding unfair charges to the debt, including excessive rent charges and unjust tax charges. It is crucial to address these concerns as these additional charges appear to be arbitrary and unsubstantiated. I have the right to request validation of these charges and their compliance with relevant legal and contractual obligations. Finally, I have to point out that my lease agreement was between me and XXXX XXXX XXXX, not with XXXX XXXX. I believe that both companies are different, and if they are indeed different, this collection should not exist The kind of actions and behavior exhibited by the collection agency are intended to compel me to pay an unfair balance. Actions such as splitting one account into two prevent me from renting a new apartment, and this kind of conduct could lead to homelessness.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A