Date Received: 2020-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TSI Collections has reported a collection account to my XXXX, XXXX & XXXX credit files. I do not owe this alleged debt. If TSI has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. TSI has no legal right to attempt to collect a debt. TSI has not validated this debt nor sent me a notice of collection. TSI is inviolation of the FCRA.
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This is account does not belong to me! I have never had account with this company nor have I ever done any type of business with this company. Because I am not responsible for this debt, This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This complaint is in regards to inaccurate credit reporting from XX/XX/XXXX to the date of this complaint. The debt which is the matter of this dispute is a credit card debt with the XXXX XXXX XXXX ( XXXX XXXX XXXX ). On or around XX/XX/XXXX, I contacted Transworld Systems , Inc. ( TSI ), a debt collection agency to which the XXXX XXXX XXXX had assigned my credit card debt, to pay off my debt in a lump sum. I was told that my current balance was {$2500.00}, which I paid over the phone during the conversation ( copy of the check attached for reference ). In mid-XX/XX/XXXX, I contacted TSI regarding inaccurate credit reporting because my credit report showed a {$40.00} balance and the debt showed as " past due account in collections. '' TSI 's customer service representative assured me that the information would be fixed to reflect accurate reporting showing a XXXX balance and that the account was paid in full. On or around XX/XX/XXXX, I contacted TSI again with the same concern because the account was still showing as {$40.00} past due in collections. This time, the collections agent told me that the {$40.00} was, in fact, a credit for " overpayment '' and that I should receive a check from the XXXX XXXX XXXX for {$40.00}. On or around XX/XX/XXXX, I received a check from the XXXX XXXX XXXX for {$39.00} ( attached for reference ) ; however, the account still shows as past due {$40.00} with a collections agency. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX, the collections agent repeatedly ignored my concerns regarding the inaccurate credit reporting. My main concern in this matter is not the {$40.00} but rather the eight months of inaccurate credit reporting in violation of both the FDCPA and the FCRA.
Company Response:
State: MT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE APARTMENT KEPT FLOODING & WAS NOT LIVEABLE. AFTER 3 FLOODS, & DAMAGED FURNITURE, I MOVED. THE APT SHOULD PAY FOR MY FURNITURE. THEY DIDN'T ABIDE BY THE CONTRACT. I DON'T OWE MONEY FOR MOVING. IT WAS AN UNSAFE ENVIRONMENT. I HAVE SUPPORTING DOCUMENTATION IN PICTURES. IF THERE WERE A PLACE TO ATTACH THEM, I WOULD. PLEASE, CONTACT ME AT YOUR EARLIEST CONVENIENCE, IN ORDER TO REMOVE THE ACCOUNT, FROM MY CREDIT REPORTS. THANK YOU FOR YOUR TIME
Company Response:
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I became XXXX and unable to work due to my XXXX XXXX XXXX after serving 23 years as an XXXX. I received compensation from Social Security XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ). The income is tax free and under most cases not subject to normal garnishment. However, since XXXX ( XXXX XXXX XXXX /XXXX/XXXX XXXX ) do business on XXXX XXXX around the world by XXXX XXXX they claim that unpaid debt to the XXXX XXXX Credit Card is secured by the Treasury Offset Program. TOP allows any unpaid debt to be paid from Federal Tax Refunds. I attempted to contact TSI by phone to determine if my XXXX tax refund was to be garnished. The person had no information about the COVID-19 exemption and stated that my last garnishment from my Social Security XXXX was made in XX/XX/XXXX in the amount of {$220.00} that started in XX/XX/XXXX. I had made 5 payments totaling {$1100.00}. Then my XXXX tax refund of {$1800.00} was garnished as well. {$2900.00} has been collected by TSI and my offer to settle the debt for the money already received {$2900.00} was denied and a counter offer of {$4000.00} was made. I told the person to get bent and that I would not pay anymore.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2020, I noticed a debt reporting on my XXXX, XXXX, and XXXX credit reports from TransWorld System Inc., for {$100.00} original debt is from XXXX I wrote Transworld System stating I was not aware of this debt and requested the original billing and address this debt came from, letter was mailed out through USPS with confirmed mailing slip. As of today, XX/XX/2020 I have had no reply from Transworld System. Yet, this debt, which I have no information or knowledge of continues to be reported to my credit reports by Transworld Systems.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I initially took out a student loan with XXXX XXXX XXXX XXXX to pay for a XXXX XXXX XXXX studying at XXXX XXXX XXXX XXXX University XXXX, training provided by XXXX XXXX. However, the training was less than satisfaction for all the students so the school had agreed to issue all students full refund on XX/XX/2020 in the amount of {$8300.00}. The refund was processed and confirmed by a representative at XXXX XXXX on XX/XX/2020 and confirmed again by the accounting manager of XXXX XXXX, XXXX XXXX, on XX/XX/2020. Please see attached email communications for details. The XXXX XXXX representative also referred me to their loan servicing company, University Accounting Service , LLC ( UAS ) for more details on the status of my refund check. I contacted UAS for the first time in XX/XX/2020 through their online contact portal asking them about the refund status and when the check will be issued. One of the companys representative responded by telling me they forwarded my question their accountant specialist who will get back with me for the details. No one from this company has gotten back with me. I waited approximately 2 weeks and decided to call their customer service number ( XXXX ) on XX/XX/2020. The representative who answered the phone informed me that I will need to wait from 45 60 days counting from XX/XX/2020 for them to issue the refund check. I monitored and saw that my account became {$0.00} balance ( from having {$8300.00} refund ) on XX/XX/2020 so I contacted the company again through their online contact portal and was informed that my refund was processed on XX/XX/2020. However, it has been over 10 days and I still have not received the check in my mail. I contacted the company again on XX/XX/2020 asking for the date the check was sent out. They have refused to provide me with any answers. As of today, XX/XX/2020, this company still refused to issue my refund or even confirm if they have send the refund check. Additional email communications are attached for your review. Thank you.
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Yesterday on XX/XX/XXXX I received a mail from TRANSWORLD SYSTEMS INC. claiming that I have {$31.00} in debt to the creditor of XXXX XXXX XXXX XXXX on XX/XX/2020. There was no debt validation or evidence to which I had used XXXX nor do I have relations with XXXX corporate. I contacted XXXX about this claim and they told me it is not the way they usually call and handle debt and assured me it is a scam. I did my research and many claimed that one should ignore and others say I should contact cfpb about it to cancel and confirm that this claim and statement are false.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The creditor has contacted me and I have no knowledge of this debt. I have contacted my attorney to dispute this debt. The amount of this debt is {$560.00}. Therefore, I'd like this account deleted from my credit reports from all bureau. Thank you.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I checked my credit report and out of no where a derogatory remark was from Transworld System I. This was debt apparently owed from an old apartment complex 6 years ago or more. I contacted the debt collection agency and the agency was unable to provide anything specific and did not have any of my personal information on file other than what was reported to them. I contacted this company in XXXX 2020 requested the original debt owners provide documentation to confirm the debt. Since I have called four times, faxed in a 609 and I still dont have anything! I just called them today XX/XX/2020 at XXXX XXXX and they wouldnt give me any specific time I would receive a notice. I was not notified by the original debtor. I am also trying to buy a house. This is a terrible inconvenience and all my attempts to have my legal needs meet has failed. This company does not seem legit either. Nothing online. Just there.
Company Response:
State: IL
Zip: 61704
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A