Date Received: 2020-11-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: messages left on a third party line with sensitive information.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Consumer Financial Protection Bureau CFPB Consumer Help XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XX/XX/2020 Subject : Billing Harassment by XXXX Dear Sir/Madam, I XXXX an envelope from the XXXX , MA XXXX store ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, Invoice number XXXX, Tracking ID : XXXX XXXX XXXX XXXX XXXX Envelope ) to XXXX XXXX, XXXX on XX/XX/2020. XXXX charged me {$75.00} ( please see receipt and credit card statement ). It contained a rubberband bracelet that my XXXX year old daughter had made for her grandparents and a family photograph. However, upon arrival in XXXX XXXX I was told that the envelope could not be delivered because the Commercial Invoice was missing. This is XXXX fault and not mine. After much effort and extensive, but futile, communication with the XXXX folks in XXXX XXXX, I gave up. I told them ( via email ) to keep the envelope. I was very disappointed in XXXX and my daughter was upset that her grandparents did not receive their gift. The next thing I know is that XXXX has the audacity to send me another invoice for {$75.00} ( Invoice number XXXX ). Despite contacts with XXXX by email, XXXX, phone, XXXX has not resolved the matter and has escalated the harassment by recruiting a Collection agency to collect {$75.00} ( Total charge {$85.00} ) from me. At this point, I sent the Collection agency ( Transworld Systems XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, File # XXXX, XXXX XXXX, Invoice number XXXX XXXX XXXX ) a notice to stop and a copy of the receipt for {$75.00}. As a consumer, I want to know how I can stop XXXX from harassing me with these collection notices. Additionally, I want a refund for {$75.00} since XXXX lost the commercial invoice. This whole process has been very stressfull and I would like to know my rights and how I can make a big corporation like XXXX more responsible for its actions I will mail you this letter and receipts. Thank you very much, Name and address withheld
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt Collector Company : Transworld Systems Inc. -spoke with : XXXX XXXX -phone : XXXX Medical Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -spoke with : XXXX XXXX : XXXX Insurance : XXXX XXXX XXXX XXXX XX/XX/20 XXXX -Letter received from debt collector for {$120.00} XX/XX/20 : -I paid in full to prevent reporting to credit bureau but found out that provider billed insurance incorrectly. -I asked for and received full refund from debt collector while provider reprocesses insurance. XX/XX/20 : Provider reprocessed claim and new amount I owed was {$0.00}. They removed my name from debt collector list and notified debt collector via email XX/XX/20 : -Debt collector calls me saying I owe them money for {$120.00} this time for same date of service. -I called my insurance who verified that I owe {$0.00} and sent me explanation of benefits -I called provider who verified that I owe {$0.00} and will make sure I am removed from their debt collector list but refuses to call debt collector directly to resolve the issue. -I called debt collector who says I still owe them money and even though my account is in dispute status, they may report me to the credit bureau , permanently affecting my credit. They refuse to contact my provider directly to resolve the issue.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TRANSWORLD SYSTEMS INC was notified of my Chapter XXXX bankruptcy XXXX yet they have still added an account to my credit report an account to which I have no knowledge. I demand they remove this entry immediately from all major credit bureaus. I demand to know what this debt is for. I demand to know how they obtained my social security number. This entry on my credit report has caused me to be denied for a loan and housing.
Company Response:
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold to XXXX and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, USCB Corporation has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Company Response:
State: NY
Zip: 14612
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was notified by XXXX XXXX that I received derogatory credit reporting. Trans World Systems reported that I owed XXXX to them. I called them earlier and they allege that I owed XXXX to XXXX XXXX for services on XX/XX/18. They had no information for me on who made the report or what services they allege. As far as I am aware, my account with XXXX is in good standing. Further, I am not in receipt of any outstanding invoices from anyone related to my XX/XX/2018 XXXX XXXX.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The private student loans are being handled by UAS, https : //www.uasconnect.com/. On XXXX I authorized a payment of {$33000.00} to pay off a student loan. That amount was debited twice from my bank account, leaving me with practically no money left in my account. I discovered the issue of XXXX, attempted to contact UAS but they have no phone or email support on weekends. I sent multiple emails hoping for a response but did not receive one on Monday XXXX. On Monday XXXX I spoke to UAS representative who indicated UAS had record of only a single withdrawal of {$33000.00}. I contacted my financial institution, XXXX XXXX XXXX XXXX who verified that 2 unique transactions of {$33000.00} had been issued to UAS. XXXX provided documented evidence which I then forwarded to the designated UAS contact, XXXX, XXXX XXXX. That representative forwarded the information within UAS. On XXXX I received an email from XXXX XXXX of UAS apologizing and telling me that a refund of {$33000.00} was requested to be refunded to my bank account. It is now XXXX and my money has not been returned to me. I am very few funds left to conduct necessary financial business such as paying bills, purchasing food, etc. The lack of response and accountability here is criminal.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I checked my credit report and found the account as a collection. I have not received any notification about this debt.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2020, I submitted a second complaint against TransWorld Systems. This will be my third and final complaint with the CFPB and the next step will be seeing them in court with my lawyer, filing a complaint with the GA State Attorney General and holding a public press release. I have attached their response which they replied to my last complaint and the continue submitting the same information, which is a contract that was signed with XXXX XXXX XXXX. This does not answer the questions which I demanded of them and up to now, they are still validating this debt and I have a RIGHT to get a response on my questions, since they are destroying my credit worthiness without valid proof. If they can read, which up to now it does not seem that they can, I will post my questions here once again. If they can not read my full statement and reply accordingly and legally, then I will see if they can understand my lawyer 's lingo instead in court. I do plan of bringing FULL charges against them in my state as well as theirs if this matter is not immediately resolved and this debt is not immediately deleted from my credit reports. Here is what I am requesting for the third and final time. And just to let you know, I have records of EVERY attempt I have made with them in writing, which includes false statements they have placed on my credit reportings. No other agency is reporting false information on this account, except for TransWorld Systems, which I have clear evidence of on my credit reports. Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. Please be reminded of XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely.
Company Response:
State: GA
Zip: 30720
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I've reached out to Transworld multiple times requesting validation of this debt and never received nothing but a settlement agreement in the mail. Transworld continues to add interests on an account that do not belong to them which causes my credit score to decrease and report inaccurate information. The representative were rude when I asked to speak with a supervisor and hanging up multiple times.
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A