Date Received: 2020-02-06
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Transworld Systems violated my consumer rights. A representative from Transworld Systems whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that XXXX XXXX is currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay Transworld Systems. I did not know that a representative from Transworld Systems could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called XXXX XXXX to verify their " tax season promotion '' and XXXX XXXX XXXX representative ( # XXXX ) stated this is not true.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020, I received a letter from a collection agency regarding a debt in the amount of {$250.00} alleged by XXXX XXXX XXXX XXXX XXXX XXXX about uniform/equipment. In fact, I NEVER received any uniform or equipment from XXXX because I did not work with them except that I attended an orientation/training and they did not issue me any uniform or equipment. Besides, they never contacted me neither by phone or email or regular mail about this alleged charge or debt. It is an unethical business practice that they refer a false and non-existing debt to a collection agency ; therefore, they need to rectify the matter and remove the alleged debt immediately because it might affect my credit score.
Company Response:
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I never resided at the place that Transworld collection agency is representing which is XXXX XXXX.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Transworld Systems has violated the Fair Credit Reporting Act and has reverted to extortion practices in an attempt to threaten me into making a payment. Manager XXXX XXXX ( XXXX ) XXXX XXXX
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Notifed TransWorld that I made the payment to XXXX XXXX XXXX. TransWorld rep still attempted to collect a debt and send notifications of an attempt to collect a debt.
Company Response:
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am not aware of debt
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On or near XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) filed a civil action law suit with their chosen debt collectors of XXXX XXXX XXXX against my mother and me for the amount of {$41000.00} alleging XXXX XXXX issued a student loan to us and later assigned it to XXXX. My mother and I were served with a summons sometime near the end of XXXX begging of XXXX of XXXX. We then proceeded to file in Forma Pauperis along with our answer to the complaint filed by XXXX XXXX XXXX for XXXX. My mother and I then filed an amended answer on or near XX/XX/XXXX. Shortly thereafter, on or near XX/XX/XXXX XXXX XXXX XXXX filed a Motion for Summary Judgement for XXXX. The motion was heard on XX/XX/XXXX and denied by the court due to the collection law suit being moved sometime in XX/XX/XXXX to the State of Nevadas court annexed program which is a non-binding arbitration governed by statues and court rules for the State of Nevada for any civil law suit that is less than {$50000.00}. Arbitration took place on XX/XX/XXXX. On or near XX/XX/XXXX the Arbitrator filed his Decision and Award with the court. The Arbitrators Decision attached to this complaint concluded that there was no evidence that a contract was made or funded by XXXX XXXX to my mother and I. Even if a loan was made, there is absolutely no evidence that XXXX was assigned the loan or has the right to collect it. The Arbitration Award was rightfully in favor of me and my mother. Shortly after, on XX/XX/XXXX XXXX XXXX XXXX filed a Request for Trial De Novo on behalf of XXXX. During our research on how to file a Motion to Strike Request for Trial De Novo my mother and I discovered that XXXX XXXX XXXX, XXXX, and Transworld Systems , Inc. ( TSI ) willfully violated several laws and court orders to pursue debt collection litigation against us! A Motion for Summary Judgement was filed by XXXX XXXX XXXX on behalf/for XXXX on or near XX/XX/XXXX contained an affidavit from XXXX XXXX, an employee of TSI, an application from XXXX XXXX XXXX alleging it to be a contract, an alleged Chain of Assignment, Pool Supplement/Bill of Sale, and various accounting documents. On XX/XX/XXXX in the United States District Court for the District Delaware, the Consumer Financial Protection Bureau ( CFPB ) entered into a consent order with XXXX and TSI specifically prohibiting XXXX and TSI from pursuing debt collection and providing specific statements or documents in attempt to collect alleged debts. The judgement order in which XXXX and TSI are listed as Defendants in the following case : Case 1:17-cv-01323-UNA and can be viewed directly online at the CFPBs website at : https : //files.consumerfinance.gov/f/documents/201709_cfpb_national-collegiate-student-loan-trusts_proposed-consent-judgment.pdf. Further and more specifically the consent judgement order entered into with CFPB, XXXX and TSI have conduct requirements. Starting from paragraph numbered 8 of the consent judgement order, and quoting the case which is Case 1:17-cv-01323-UNA Document 3-1 Filed 09/18/17 Page 10 of 40 PageID # : 30-33 below, states that : ( Note that Defendants are XXXX and TSI ) 8.Defendants must provide all Defendants Servicers that are engaged in the servicing or collection of Debts with actual notice of this Order within thirty ( 30 ) days of the Effective Date. 9.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not violate sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536, and must take the following affirmative actions : a.Defendants shall take all actions necessary to comply with the terms of the Order, including but not limited to ensuring that all of Defendants Servicers acting as Defendants agents comply with the terms of the Order. b.Defendants must require that any of Defendants Servicers or other agents retained by Defendants in connection with servicing or collection of student loans ( 1 ) agree to abide by the terms and conditions of the Order and ( 2 ) require any agents that Defendants Servicers hire in connection with servicing or collection of student loans to abide by the terms and conditions of the Order. c.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not initiate a Collections Lawsuit to collect Debt unless they possess : i.the documentation necessary to prove that a Trust owns the loan, including but not limited to, documentation reflecting the complete chain of assignment from the Debts originator to the specific Trust claiming ownership ; and ii.a document signed by the Consumer, such as a promissory note, evidencing the agreement to pay the loan forming the basis of the Debt. d.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not initiate a Collections Lawsuit to collect on a loan for which the applicable statute of limitations has expired. e.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not collect any Debt through Collections Lawsuits that Defendants or their agents have any reason to believe may be unenforceable. f.Defendants, their officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation with any of them, who receive actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, are permanently restrained and prohibited, in connection with the collection of a Debt, from submitting any Affidavit : i.containing an inaccurate statement ; ii.in which the Affiant represents, expressly or by implication, that the Affiant is familiar with or has personal knowledge of the Consumers education loan records or the maintenance of those records when that is not the case ; iii.in which the Affiant represents, expressly or by implication, that the Affiant has personal knowledge of the Consumers Debt when that is not the case ; iv.in which the Affiant represents, expressly or by implication, that the Affiant has personal knowledge of the loans chain of assignment or ownership when that is not the case ; v.in which the Affiant represents, expressly or by implication, that the Affiant has personal knowledge of the documents relating to the loans chain of assignment or ownership when that is not the case ; vi.representing, expressly or by implication, that the Affidavit has been properly notarized if the Affidavit was not executed in the presence of a notary or if the notarization was otherwise not compliant with applicable notary laws ; or vii.in which the Affiant represents, expressly or by implication, that any documents or records concerning the Debt that forms the basis of the Collections Lawsuit have been reviewed by the Affiant when that is not the case. XXXX XXXX XXXX, XXXX, along with XXXX XXXX and XXXX XXXX XXXX of TSI submitted affidavits after the CFPBs judgement order that were not only identical, but also violated all seven stipulations on or near XX/XX/XXXX in their Motion of Summary Judgement, in Arbitration held on XX/XX/XXXX, and again on or near dated XX/XX/XXXX in their trial brief attempting to collect a debt through a lawsuit willfully violating the court order issued XX/XX/XXXX in the United States District Court for the District Delaware Case 1:17-cv-01323-UNA blatantly committing contempt of court, fraud, and perjury. Continuing by quoting paragraph number 10 of the CFPBs judgement order for Case 1:17-cv-01323-UNA Document 3-1 Filed 09/18/17 Page 11 of 40 PageID # : 33 states : 10.Defendants are permanently restrained and prohibited from reselling Debt that is time-barred or for which Defendants lack the necessary documentation required by Paragraph 9 ( c ) without obtaining the written agreement of the purchaser to comply with this Order. 11.Defendants, their officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation with any of them, who receive actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, are permanently restrained and prohibited from, in connection with the collection of a Debt, providing any testimony in a Collections Lawsuit that contains any misrepresentations, including false statements that the witness : a.is familiar with or has personal knowledge of the Consumers education loan records or the maintenance of those records ; b.has personal knowledge of the Consumers Debt ; c.has personal knowledge of the loans chain of assignment or ownership ; or d.has personal knowledge of the documents relating to the loans chain of assignment or ownership. 12.If Defendants determine that any of their agents, including but not limited to all of Defendants Servicers, are on behalf of Defendants engaging in any conduct prohibited by this Order, including but not limited to Paragraphs 9 and 11 of this Order, Defendants promptly will take the necessary steps to ensure that their agents cease any and all practices that violate this Order. The documentation is abundantly clear of the numerous and deliberate violations that XXXX XXXX XXXX, XXXX, and TSI have committed against my mother and I including section 9 ( c ) ( i ) and ( ii ), all section 11 of the judgement order, FDCPA 15 USC 1692e, 15 USC 1692e ( 3 ), 15 USC 1692e ( 10 ), 15 USC 1692f, 15 USC 1692g, and sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Rather than withdrawing their affidavit and or collection law suit, XXXX XXXX XXXX, XXXX, and TSI refuse to remove their affidavit from any pleadings or cease collection efforts in accordance with paragraph 14 of the judgement order for Case 1:17-cv-01323-UNA Document 3-1 Filed 09/18/17 Page 12 of 40 PageID # : 34 - 35 14. With regard to pending Collections Lawsuits in which Defendants, through actions taken by Defendants Servicers acting on behalf of Defendants, have filed an Affidavit that contains any misrepresentationsincluding but not limited to false statements that the Affiant ( 1 ) is familiar with or has personal knowledge of the Consumers education loan records or the maintenance of those records, ( 2 ) has personal knowledge of the Consumers indebtedness, ( 3 ) has personal knowledge of the loans chain of assignment or ownership, ( 4 ) has personal knowledge about the maintenance of documents relating to the loans chain of assignment or ownership, or ( 5 ) has attached as an exhibit a true and correct copy of a documentDefendants must either withdraw the pending Collections Lawsuit or ensure that the Affidavit is withdrawn. Defendants must instruct their attorneys, Defendants Servicers, and their agents to either withdraw the pending Collections Lawsuit or notify the court of the following in writing while simultaneously providing the court with a copy of the Order entered into between the Bureau and Defendants : Plaintiff withdraws the affidavit of [ insert name of affiant ] pursuant to an Order entered into by the Consumer Financial Protection Bureau and the XXXX XXXX XXXX XXXX XXXX. My mother and I included a copy of the CFPBs judgement order in its entirety as an exhibit and requested the court to take judicial notice of the judgement order in our Motion to Strike Request for Trial De Novo filed on or near XX/XX/XXXX. The matter was argued in court on XX/XX/XXXX and the court denied our motion to strike. The presiding judge commented in regards to the CFPBs judgement order we attached to our motion was along the lines of that the findings where highly disturbing and was positive they would be argued and presented to the short trial judge. Lastly, the collection law suit was moved to the State of Nevadas Short Trial Program set to take place on XX/XX/XXXX. Pre-Trial conference was held on or near XX/XX/XXXX. We confirmed our addresses with the court on or near XX/XX/XXXX and again during the pre-trial conference that was held on or near XX/XX/XXXX verbally confirming where to send documents however, XXXX XXXX XXXX deliberately sent pre-trail discovery, interrogatories, and admission documents to our previous address in hopes they would not be caught abusing the discovery process and cause delay successfully stonewalling us from properly defending ourselves and submitting documentation in a timely manner to the court against the fraudulent collection law suit they continue to pursue. Further, this deliberate and scrupulous action of sending pre-trial discovery, interrogatories, and admissions to our previous address caused us to receive the documentation on or near XX/XX/XXXX when the court required all the paper work due on XX/XX/XXXX as ordered by the Pro-Tempore Judge in his notice we received on or near XX/XX/XXXX. The pre-trail documents contained the same false statements, documents, and affidavits that are the source of this complaint. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX yet again continues with unfair and deceptive collection efforts by avoiding or failing to contact my mother and I for pre-trial conferences that was to be initiated by them. In all due fairness and to no fault of my own, my cell phone does not receive the best reception at times and is damaged causing it to not always work or run properly. However, this does not excuse the fact my mother who is the co-defendant in this fraudulent debt collection law suit was never contacted. Had a conference line been provided or issued to call by the Pro-Tempore Judge, an issue of not being contacted or potentially missing a phone call due to technical errors to attend pre-trial conferences would have never been an issue and easily prevent underhanded or abusive legal tactics. Regardless, XXXX XXXX XXXX has all the contact information required to contact me and my mother including phone numbers and deliberately abused initiating the pre-trial conference calls by only contacting my telephone leaving a message and not contacting my mother by phone whom is a co-defendant and I was with during both scheduled times for conferences in this fraudulent debt collection law suit making it appear as if we were ignoring and willfully un-attending pre-trial conferences. We were informed via letter received by the Pro-Tempore Judge on XX/XX/XXXX that we may now face court sanctions due to the abuse and blatant deception of XXXX XXXX XXXX not contacting my mother/co-defendant on XX/XX/XXXX. XXXX XXXX XXXX, XXXX, and TSI continue to submitting affidavits with false and misleading statements and pursue debt collection lawsuits without having the full chain of assignment! They have been informed of the CFPBs judgement order and have all the documentation we have filed with the courts including all the information regarding this matter. Unless the CFPB immediately enforces court orders and the laws against these companies, they will continue this disgusting predatory behavior by filing false statements, misrepresentations, filing debt collection law suits when they do not have the right to collect, and committing fraud against consumers like my mother and I.
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent the following two ( 2 ) letters to Transworld Systems Inc, filed a Federal Trade Commission Identity Theft Report, and am now filing this complaint for their recent violation of Fair Debt Collections Practices Act, including 809 Validation of Debts 15 USC1692g. TSI is attempting to collect a debt which I do not owe and for which I am not responsible. I believe their most recent actions have been taken in bad faith and for the purpose of harassment. First letter, mailed XXXX XX/XX/XXXX : Transworld Systems Inc. XXXX XXXX XXXX XXXX. XXXX XXXX, DE XXXX Wednesday, XXXX XX/XX/XXXX To Whom It May Concern : Today I received a notice of debt, dated XXXX XX/XX/XXXX, account # XXXX, former creditor account # XXXX, in the amount of {$1600.00} for service allegedly rendered on XXXX XX/XX/XXXX. I am writing within 30 days to dispute the validity of this debt in its entirety. Please provide me with the original itemized invoice, including the service location, service provider, diagnosis, any medications, et cetera to substantiate this alleged debt. Furthermore, I suspect this is medical fraud. Thank you. All the best, XXXX XXXX XXXX Second letter, mailed XXXX XX/XX/XXXX : Transworld Systems Inc. XXXX XXXX XXXX XXXX. XXXX XXXX, DE XXXX Transworld Systems Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Saturday, XXXX XX/XX/XXXX RE : Account # XXXX, Former creditor account # XXXX To Whom It May Concern : This letter is to follow-up my previous request, made Wednesday, XXXX XX/XX/XXXX, to dispute of this debt in its entirety and requesting an original itemized invoice, including the service location, service provider, diagnosis, any medications, et cetera to substantiate this alleged debt. I made this request following receipt on XXXX XX/XX/XXXX of the initial bill you provided for alleged services, dated XXXX XX/XX/XXXX, in the amount of {$1600.00}. The documentation you provided, which I received today, Saturday, XXXX XX/XX/XXXX, including your cover letter dated XXXX XX/XX/XXXX and a XXXX Statement of Account, dated XXXX XX/XX/XXXX, received by mail on XXXX XX/XX/XXXX, does not sufficiently answer this request. No original itemized invoice, diagnosis, any medications, et cetera were provided. The XXXX Statement of Account, dated XXXX XX/XX/XXXX, stated merely the date on which service was allegedly rendered, XXXX XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, three CPT codes ( XXXX, XXXX, XXXX ), accompanied by inadequate descriptions ( emergency interp XXXX XXXX XXXX, XXXX XXXX XXXX, and emergency XXXX & XXXX XXXX XXXX ), XXXX XXXX as the provider, charges for {$110.00}, {$48.00}, and {$1500.00}, and the total charges {$1600.00}. This documentation is insufficient and lacks diagnosis detail, justification of charges, doctors full name, medications prescribed, and other pertinent information such a signed contract or note to determining the legitimacy of this debt. Additionally, since the response was sent presorted first-class mail U.S. postage paid DPCH and lacks a time and date stamp, I have no way of knowing on what date you mailed me this letter, since your cover letter is dated XXXX XX/XX/XXXX and the XXXX Statement of Account is dated XXXX XX/XX/XXXX, I conclude this response to my dispute was mailed to me on or after XXXX XX/XX/XXXX. At no time prior to XXXX XX/XX/XXXX did I receive a single contact regarding billing for these alleged services, from the former creditor you list, XXXX XXXX XXXX XXXX, or any other party. The XXXX Statement of Account classifies the debt as past due and adds additional language, Your account is now seriously past due, and a delinquency review is being conducted. Were this a true and legitimate debt, why would the debt have taken approximately 365 days to go into collections, rather than the industry standard between 90 to 180 days on non-payment? I reiterate my initial written dispute as to the validity of this debt in its entirety, which dispute I originally provided in writing on Wednesday, XXXX XX/XX/XXXX. I do not have any responsibility for the debt you are trying to collect. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. I wrote you within thirty ( 30 ) days to inform you I dispute this debt in its entirety and request detailed documentation of alleged services provided. Since you already reported this debt to a credit bureau ( s ) on XXXX XX/XX/XXXX, before replying to my written dispute, you should also have reported to any credit bureau ( s ) at that time that the debt is disputed. You failed to do so. Your failure to indicate the disputed nature of this debt when reporting to credit bureau ( s ) on or before XXXX XX/XX/XXXX, prior to responding to my written dispute of XXXX XX/XX/XXXX in a cover letter dated XXXX XX/XX/XXXX, with insufficient invoice documentation dated XXXX XX/XX/XXXX, no postmark provided, earliest possible mailing being presumed XXXX XX/XX/XXXX, could be perceived as an action taken in bad faith and for the purpose of harassment in direct violation of the Fair Debt Collections Practices Act, including 809 Validation of Debts 15 USC1692g. Please note, your violation of my consumer rights has forced me to file a dispute of this debt with XXXX directly, since you failed to cease attempts to collect the debt and instead acted in bad faith and for the purpose of harassment and reported the debt while failing to advise the credit bureau ( s ) this debt is disputed. Your bad faith actions have already resulted in negative impact on my credit. I pay medical debts for which I am responsible. I am not responsible for this debt. Furthermore, I still suspect this may be medical fraud, now worsened by your bad faith actions for the purpose of harassment made in direct violation of the Fair Debt Collections Practices Act, including 809 Validation of Debts 15 USC1692g. I have filed an identity theft report with the Federal Trade Commission regarding this matter ( XXXX ) and am filing a formal complaint with Consumer Financial Protection Bureau. Thank you. All the best, XXXX XXXX XXXX
Company Response:
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX XXXX XXXX XXXX and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX and was created by my XXXX without my consent and knowledge.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: According to XXXX is Trans World doing a robocall and never leaves a message but calls every 2 days. If I had a debt there should be mail from the USPS and there never has been. I'd like these calls to stop.
Company Response:
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A