Date Received: 2020-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX years old I have lived in Florida Since my husband I came to the United States he was XXXX XXXX XXXX stationed at XXXX XXXX XXXX XXXX in XXXX I have lived here and worked here, I applied for XXXX about 6-7 years ago and went through this company in XXXX Florida the man was a con, he stole my money and information he was arrested with the authorities in XXXX XXXX XXXX Florida. I had a police report, I since then threw it away. But I explained to these companies this is fraud, I sent them a notarized affidavit stating this, I stated to them I have no knowledge of these bills and never lived in the state of Georgia. I asked for original contract, proof such as ID, recordings etc, all they sent was a copy of the bill.
Company Response:
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Transworld Systems Inc : Your letter states it is your intention to work with me to resolve the collection. The letter also states due to unforeseen circumstances I may not be able to pay in full and could offer payment options. I spoke with one of your trained representatives whose name and number is written on the letter with 3 payments listed for {$280.00} with a confirmation number. I was told by making the payments it would not be reported on my credit. Secondly, I made the 3 payments of {$280.00} on XX/XX/15, XX/XX/15 and XX/XX/15. This is not how it is reflected on my credit. I have 4 adverse accounts listed from this one collection. Despite paying as promised and you reporting despite promising you wouldnt my credit lists derogatory public record or collection filed. Lastly, you told me to have no further communication with you and to contact XXXX. You sent the letter to me, arranged for my payments and then you reported me.
Company Response:
State: CO
Zip: 81301
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: These people called on XX/XX/XXXX about some debt I don't think I owe. I told them not to call back. They called back on XX/XX/XXXX and insisted I hadn't told them not to call back and said I just hung up, I told them to review the call they'd previously recorded
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I have reached out to XXXX XXXX Incorporated. To pay Some out standing debts because they had put leans on my drivers license and i need my license to work. After paying over XXXX dollars toward 3 very specific accounts they applied ALL the money towards 1 single account which resulted in an over payment. I was GARUNTEED the clearance letters for all 3 would be sent to the courts within 48 hours and now we are 2 weeks past that and they have still not applied the remaining funds towards the correct accounts nor have they sent the clearance letters to the courts and they have also sent me NO DOCUMENTATION that i have paid anything at all., I have called literally 23 times, 90 % of the time because i am not calling to simply offer my credit card for more money i am hung up on immediate. Literally i am being hung u on 3-5 time each day until i demand a super visor and told things like i don't have to help you " or you shouldn't get debts '' or we don't care about your license '' after 23 phone calls in the last 3 days they are essentially holding my Drivers license hostage because the " rep '' that took y payment simply wanted to collect, get the bonus or commission and NOTHING TO FOLLOW UP WITH THE LEGAL and required proscessing of my ayments to the correct accounts or reporting to the courts.
Company Response:
State: CO
Zip: 80537
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: You all reporting a debt owed on my report however I do not owe this company any money and this debt is not mine. The company has provided me with a letter on their letter had advising of the same. Delete this off all three credit reporting agencies immediately.
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating my credit file " as paid '' is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractualdocuments stating and proving that I agreed to and that I am responsiblefor this account. There have not been any agreements baring my signature provided. Therefor, TSI has no legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: all 3 credit bureaus reporting different account information about account. I have reached out to creditors and credit bureaus about getting the information 100 accurate because all 3 reports have different information so how would i know what is valid.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was in the United States XXXX and applied for a XXXX credit card to shop at XXXX XXXX. My credit limit was {$6000.00} and I was owing about {$5000.00} when I fell behind in my monthly payments. About 4 months or so later, I sent in payment but it was returned and I was informed that it had been sent to a Collection Agency. When I contacted that Agency, I was informed that the amount due was about {$9000.00}. All attempts to get them to explain why they kept tacking on amounts without a court order proved abortive. The file changed hands several times and each time, the amount went higher and higher. These various companies added more than {$12000.00} to the original amount and the current Collection Agency - Transworld Systems , Inc filed to garnish my retirement pay in the amount of {$17000.00} and has been collecting {$140.00} for almost 4 years now. They have collected more than {$7000.00} to date and yet, they are not prepared to stop. Please help me checkmate this company.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld Systems Inc re-aged a paid and closed student loan account on XX/XX/XXXX. When contacting the company XX/XX/XXXX a representative was able to find my account with name and DOB but was unable to access the account as she stated that it was in a dedicated department that was currently closed. XX/XX/XXXX call was placed again to company, transferred to the correct department and this representative was unable to locate my account unless I gave my social security number. Explained that XX/XX/XXXX that woman was able to find the account so that rep attempted to find my account but could not. At no time were there any documents mailed to me regarding this account with and account number or balance. I have only had one private student loan with XXXX/XXXX XXXX XXXX which was paid and closed, any other claims are fraudulent and need to stop. Please see attached excerpt of credit report showing this account being paid and closed.
Company Response:
State: PA
Zip: 17112
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ok i recieved a letter from a collection company its called transworld system inc on XX/XX/XXXX trying to collect from XXXX for the amount {$410.00} a medical debt from XXXX XXXX hospital it was sent to collection agency and i called to tell them this and would not do nothing and it was on my XXXX credit report i said i going to dispute it with the credit XXXX bureas and so i did 25 days later came back verified so i could not re dispute it so here i am needing your help
Company Response:
State: AR
Zip: 72034
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A