Date Received: 2020-03-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: No contract with Transworld System INC!!! Cease and Stop all communication methods. I do not recognize any debt of {$16000.00} to XXXX University. This account was sold to a third party. Therefore, theres no CONTRACT so please stop harrasing me and sending letters. Also, I recommend that you remove the account from the credit bureaus.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: This is follow up to Complaint # XXXX! XXXX continues to push this matter to new collection agencies despite my previous communications with CFPB, XXXX and several successive collection agencies. This matter was fully resolved. The attached document from Transworld Systems Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX, is further harassment on a debt that is not valid. see excerpt pasted below from first complaint. " In XXXX of 2016 I returned XXXX XXXX for end of lease. Prior to lease i had aninspection which determined tail light crack and damage to tire. i had both of thesereplaced prior to return. In early 2016 toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. nowalmost two years later XXXX submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is veryapparent that they prey on consumers after they expect their records to be long gone. thecollection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature. ''
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Letters requesting validation were sent on XX/XX/XXXX and XX/XX/XXXX No responses were received
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2020-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The collection agency Transworld Systems Inc is claiming that I owe a balance from a lease agreement that I never signed. I tried disputing this information with XXXX with no resolution. I advised XXXX that the signature is fraudulent, and that if they review my license, it will be clear that it is not my signature.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TransWorld System Inc XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX ( XXXX ) XXXX Is unlawfully reporting information to credit bureau ( s ) ... I do not owe any money to their customer at anytime.
Company Response:
State: AK
Zip: 99507
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a debt collection company called Transworld Systems Inc. The letter itself states I have thirty days to dispute or pay a debt of {$170.00}, failure to communicate with them in thirty days results in admittance of debt, and that this debt was obtained from a creditor named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX states they formally held this debt from a company called XXXX XXXX XXXX. As for my actions, I notified a credit bureau to place a temporary fraud alert to protect my identity, and I notified this Transworld Systems Inc that I am disputing the debt. I lived in XXXX and utilized XXXX XXXX XXXX as my power company from XX/XX/XXXX-XX/XX/XXXX. I never had a delinquent account with them and I paid off my final bill in XX/XX/XXXX ( I moved from XXXX, XXXX to XXXX at the end of XX/XX/XXXX ). This is the first time in almost thirteen years I've been notified of any type of debt, and I believe that one or more of the above companies is incorrect and possibly " scamming '' me.
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I went to the Hospital and I got medical care and they didn't bill my insurance like they should have.I would like t know why is this on my credit report.If they had billed my insurance provider.They would have gotten their money.I don't think I should have to pay this debt.Since this debt should have been paid through my insurance provider.I am requesting an itemized report and an full investigation into this serious matter before I sue this collection agency and XXXXXXXX XXXX.If this is not resolved with 30-45 days.I will file a lawsuit against the hospital and the Collection agency.
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I had went to the hospital in another state and then moved. I received notice of the medical after it was sent to collections from the hospital and the debt collector had already reported it to all 3 bureaus. I called the company, Transworld Systems Inc. at XXXX, today to advise I would pay the balance in full in exchange for a deletion letter. They advised they would submit it as paid in full but not provide a deletion letter. Right now, I understand it is may not be a violation of the FDCPA, but debt collectors should not be able to damage your credit for years ( after paying off the medical debt ) and then refuse to remediate it. Why is part of the FDCPA that requires that debt collectors who report provide deletion letters if the debt is paid in full?
Company Response:
State: OH
Zip: 44138
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: HIPAA Transworld Systems Inc ... .I did not give authorization, written or verbal to have my PHI shared with anyone. Transworld Systems Inc needs to provide a copy of written authorization that releases my PHI to them. If they recieved an electronic transfer of my ePHI they need to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. I have also submitted an affidavit to Transworld Systems Inc ( Copy attached ). Alleged Accounts XXXX**** {$220.00} XXXX**** {$62.00}
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I received a call from XXXX XXXX XXXX a young lady name XXXX who stated she was calling from Transworld System on behalf of XXXX XXXX XXXX XXXX XXXX. She went on to tell me this was an attempt to collect a debt. Confused as to what she was talking about I questioned, what debt? I have no outstanding debt and vacated the XXXX XXXX XXXX XXXX XXXX accordingly back in XXXX, following the expiration of my lease. She was unable to provide me dates as she stated she did not have any supporting docs on file. I sincerely thought I was being prank called as she was unable to provide any validating information and not to mention, this was the first I had ever heard of this. I further asked IF this was true, why would they wait almost 5 years to attempt to collect. She stated theyve made attempts at contacting me but were unable to locate a number for me. Thats bogus I told her. Just as she was able to dial my number and get me, they would have been able to do the same but they didnt. As a matter of fact, my number has not changed its been the same for over 7 years, so that was a lie. She went on to tell me that XXXX XXXX XXXX XXXX XXXX is alleging I owe for missed payments/rent ( back rent ). I asked when did the miss payment take place? She was unable to provide me dates as she reiterated, she did " not have any supporting docs on file. '' Yes, I resided at XXXX XXXX XXXX XXXX XXXX and vacated in XXXX when my lease expired, never having missed a payment. It's been nearly 5 years, of course I'm no longer in possession of rent receipts. I'm sure they expect this. Therefore, I requested from her an itemized statement. Instead, on Friday XX/XX/XXXX I retrieved a letter that they were collecting a debt and I had 30 days after receiving the notice to dispute. Surely, Im disputing this with Transworld Systems Inc but I also ask that The Consumer Financial Protection Bureau intervene as this company is threatening me with a falsified debt that is not only fabricated ( or possibly misdirected ) but outside Maryland statue of limitations ( 3yrs ) in which action can be brought.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A