Date Received: 2020-10-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This company is reporting a collection account on my credit report. I have reached out and ask them for debt verification, it has been almost 3 months and i have not heard back from them. This is a violation of my rights under the FCRA! I would like for them to be held accountable.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The XXXX XXXX that I am being through because of this issue, has taken me to get XXXX attention. The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by TRANSWORLD SYSTEMS INCS actions. I need you to take this matter seriously, and send me a response. Please read carefully the following violations that your company has committed under the California Credit Reporting Act : 1. TSI has re-aged the account. This has a big impact in my credit score, since account will be on report more than the time allowed by law. 2. FCRA inconsistent reporting. 3. failing to put accurate delinquency date. 4. failure to provide notice of adverse reporting. 5. Negligence. 6. unfair business practices. Account number:XXXX Opened : XXXX High Credit : {$700.00} My demand is that you DELETE THE ENTIRE TRADE LINE for this account base on the damages that I have suffered. See attached
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Im receiving a second notice from two different collection agencies from a debt I already paid. Original debt agency was XXXX XXXX XXXX XXXX XXXX XXXX was the first collection agency to call me after the debt was paid and now im having Transworld System Inc trying to collect the same debt.
Company Response:
State: CA
Zip: 93033
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: We were urgently to rent a place and we found XXXX XXXX XXXX XXXX SC. We had a tour and everything looks good there was no smell no people around so we rented and apartment 3 bedrooms 2 bathrooms on XX/XX/XXXX and move in XX/XX/XXXX with my son XXXX years old my baby girl XXXX years old, my wife and me, the manager told us was a safe place for families and non smoking community. The day 1 of XXXX the dishwasher broke down, they fixed pretty quick, it broke down more the rest of the days we stayed there. Then we started noticed there was more than 4 persons living at the apartment upstairs all of them males, all of them smoker, our son room just stinks as cigarette, one day we came back from school and there was a very strong chemical smell, we drove around and maintainers told us they were cleaning the carpet, now we know they were poison bed bugs, days after we complained about cigarret and the noise since XXXX XXXX till XXXX XXXX upstairs and XXXX XXXX the manager told us that " she couldn't control it '' the kitchen cabinet just smell as a bar, i called to an emergency phone number and like they stop it for a couple days and then again the nasty cigarret, all of us got sick, i started to look all over the place after the bath tub turn to a weird yellow orange then the paint cracked up, i was cleaning the windows i found out the frame was cracking up as well, we had a water leak from the ac unit that make the carpet wet and theres was a wire not protect close to the gas, one day looking how the cigarret smell leak so bad in my son room i found there was a huge hole in the ac unit, i took the ac vents and black mold, i poison almost everyday because neighbor 's roaches were coming to downstairs, the worst was when our daughter had a bite, we clean, bleach and poison everything, then had another bite and very bad allergies reaction, we call the dr and prescribed a very strong allergie relief we look all over the apartment and find out there was bed bugs coming from the apartment upstairs, immediately we sent a email to the manager and the lady sent an examinator the next day, the man told us be quite ( i have a video ) cause XXXX will be mad, then we received a letter from XXXX, asking us to make appointment with exterminator in 15 days since then, the lady accused us to bring those bugs, after that any of us could stay there, we all have anxious we lost all our furniture, our kids new beds and clothes. We couldn't stand no more, the apartment upstairs were living at least 12 man 's, thats what we count one night, we installed XXXX security system with professional watch, there is one the man who were living upstairs placing a bag in our trash can how the neighbors were putting bags in our trash can, we have all the emails, videos, the bed bugs coming from the roof, the wall by the roof cracked, the neighbor made little holes and looks like sprayed something, this is the most disturbing and disgusting experience no one deserves have, the managera very rude person sent us a letter chargin us for a carpet never was glue, for all our furniture and all our clothes, I have a picture with a mix we made and is just a nasty nicotine.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have a medical debt of {$310.00} that I did not know I had. I was putting in collection with this company called Transworld System. I have paid the debt in full alredy, however they refuse to remove this collection account from my credit score. I am trying to get a house loan with lower interest rate but now I wont be able to do it cause of this account being open. It took 50 points down from my credit score. I need help, I need them to remove this account from my credit report. So my credit can boost back again.
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I was XXXX XXXX from the XXXX XXXX, unfortunately I was not able to find employment fast enough to keep my Military XXXX XXXX XXXX active. This account is allowed for military personal who can shop at any military exchange ( store ) XXXX, XXXX, XXXX etc. I am being charged a collection fee on top of my debt and interest ( understandable ) with the Military XXXX, these fees are {$1000.00} 's of dollars on top of the original debt. I've asked for numerous statements and have finally received one for XX/XX/XXXX. In the attached statement you will see that only {$310.00} have been accepted, however you'll notice my personal checking receipts equating to {$370.00}. This has happened every time I've made payments on the account. Almost as if they're stealing the XXXX XXXX and my money, as the statement from Transworld shows on pg XXXX {$310.00} in payments and {$0.00} in fees. I can not provide exact amounts as Transworld Systems is only directing my calls to XXXX XXXX XXXX whom has not called me back. On XX/XX/XXXX I submitted a claim to FederalReserve.gov to help on this matter, Transworld had told me they would provide statements, and that the fee is not able to be removed. I feel that this is in violation to the Fair Debt Collections Act 15 U.S.C. as I never agreed to a collection fee nor would any human being on the planet. I own up to this debt and as such have made numerous payments, but with this type of theft my debt will never be paid in full. This fee is not a fee due to charging by checks or debt. No explanation to an agreement on this fee has been sent or agreed upon. I've also contacted the written correspondent which the billing statement shows to contact and they have no idea why.
Company Response:
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have tried to solve this matter with Transworld Systems but they dod not give me a fair solution. This issue has affected me in a huge way. The item i the following : TRANSWORLD SYSTEMS, opened date : XX/XX/2017, highest balance : {$120.00}, original creditor : XXXX XXXX XXXX XXXX This company has bee acting against my consumer rights with the following actions : - - They didnt send notice to right address. - Wrong first delinquency date. - Negligence - Re-aging the account. This has caused me many damages. I am demanding the removal of this account as a compensation. Thank you.
Company Response:
State: MD
Zip: 21204
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TSI is attempting to collect on a debt that is not owed by me nor authorized by an original agreement between the original creditor and I. If TSI feels that this statement is incorrect than I invite them to provide me with a copy of the original contact between the original creditor and I, failure to do so with result in additional liability under the FDCPA/RFDCPA. Additionally, if they provide me with monthly statements and fail to provide the original contract this will establish the existence of an original contact and lack of possession of the contract in their file. The original contract must be provided within 30 days. Failure to do so will result in a lawsuit pursuant the FDCPA/RFDCPA
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had lived at the XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Florida for over 2 years and I had never once failed to pay my rent. On XX/XX/XXXX, I had to urgently move out of the apartment due to health issues which would've caused me to not be able to afford my rent anymore. I thoroughly cleaned the apartment and then dropped off the keys in an envelope at the office with a note to the manager. After a few days, I was able to go back and speak to both the manager and assistant manager, in person, about my situation. Based on an area of the contract, that mentioned if anyone leaves without prior notice, it is left up to the discretion of the manager to charge or not charge that individual ; I asked the question of whether or not I would be charged, and I was told by the manager not to worry about it, to just focus on getting better. I didn't bother to ask about my security deposit and it was never brought up. I gave them a forwarding address and they had my phone number, just in case they needed to contact me. I left with the understanding that everything was squared away. In the middle of one of my treatments in XX/XX/XXXX, I received a phone call from a debt collector, who claimed I owe a debt of {$1000.00} to XXXXXXXX XXXX XXXX XXXX, which was very shocking to me. I explained to the debt collector the whole situation and told her that as far as I know, I was the one who was owed my security deposit. A few days after I saw where it was placed on my credit report. When I first rented the apartment in XXXX, I started out paying {$790.00} monthly until the amount increased to {$880.00} in XXXX. I had paid {$500.00} as a security deposit. I had paid my rent for the month of XXXX, and I left before XXXX. I was never told about a balance being owed, I was never contacted, at no point at all, and nothing was ever said about my security deposit being refunded, yet I was contacted by a collection agency and immediately after a {$1000.00} debt was placed on my credit report to destroy my reputation. I contacted the XXXXXXXX XXXX XXXXXXXX XXXX and spoke with the Assistant Manager about the call that I had received from the collection agency, and was told that he had nothing to do with it. I was told that it was the corporate office who had made the claim. He provided me with a telephone number for the corporate office, which I had called multiple times, however, I was not able to reach anyone. On XX/XX/XXXX, I called TSI to dispute the debt and spoke to " Lady '', a representative at the collection agency. I was told to expect a mail that would include a copy of the document detailing the claim. After receiving the mail, on XX/XX/XXXX I called back TSI Collection Agency to further dispute what this document was claiming. I informed the agency that the debts are false and the information on the document was also incorrect. I later sent proof documents ( receipts and pictures ) to TSI via fax. On XX/XX/XXXX I called back TSI collection Agency to follow-up on the case and was told that they were waiting on a response from the company, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Currently, the problem has not been resolved and is causing a MAJOR PROBLEM in my life. For one, it has damaged my reputation and my credibility. I am currently homeless due to the fact that my applications for housing keeps getting denied based on the derogatory mark on my credit report. Due to this great amount of stress my health is also being affected in a very negative way. I would greatly appreciate your attention to this matter as it is very overwhelming and cruel.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Transword System Inc XXXX XXXX has yet to reply back after calling him several times in regard to account XXXX XXXX I receive an check from the insurance company in the matter to clear this matter up and pay TSI Inc
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A