Date Received: 2019-09-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I send a letter on XXXX o f which they received XXXX asking for my medical release forms in which I authorize third parties to have my medical information release with my signature on it included. I had given them 15 days to send them back to me or cease and desist from pursuing the alleged debts also erase all negative remarks from all XXXX credit bureaus. today is XXXX had not receive nothing not even a letter of acknowledgement, no negative remarks on credit report remove or Hippa medical relese forms of which by law they must provide upon request - >. I will upload the letter I send via certified mail with return receipt thx
Company Response:
State: NM
Zip: 87114
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Over the last few years I have received countless calls ( 100? frequency has been increasing this year ) to collect debt from " XXXX XXXX. '' I am not XXXX XXXX. The only XXXX XXXX I know was from high school in the XXXX. I learned last week that XXXX XXXX 's debt is associated, at least in part, with medical service or equipment. I learned this by calling the number XXXX and found out it is XXXX XXXX. I was informed my phone number would be removed from XXXX XXXX 's record. The next day Transworld called again and when I complained, told me it could take 24 hours for the database to catch up. Well, this morning I got another call for XXXX XXXX from a company that would not identify itself. I found out debt collectors do not have to honor a do-not-call registry. [ insert swearing here ]. So I'm filing a complaint.
Company Response:
State: OR
Zip: 97405
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Trans World Services has been calling me for 4 years to collect a debt by a person that previously had my phone number. I tell them every time that they have the wrong number and they continue to call me. I am getting phone calls with an increasing frequency.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Prior to XXXX XXXX I had payment arrangements in place. The payments were taken from same credit card after XX/XX/2019, BEFORE XX/XX/2019, TSI did not have permission to contact me by phone because I stated it would cause problems with my XXXX. But because I was having communication issues and had a problem with my credit card before I respectfully told TSI about my concerns, my XXXX, and wanting to have a good line of communication to prevent any misunderstandings ; I gave them permission to please contact me to reinsure security of my account. But I asked them to respect, understand, note, my XXXX issue and please contact me after XXXX hour. On or around XX/XX/2019 TSI tried taking payment from the credit card on file. I had made a mistake and forgot to put payment on my account that week. I had a two court appearances on XX/XX/2019 and XX/XX/2019. For some reason the stress related to my case causes me to become ill after. However I forgot and didnt pay. I realized the mispayment the following week around XX/XX/2019. On or around XX/XX/2019 at about XXXX ( I was intending to call after XXXX when I thought they were open. In the past I usually contact them to confirm payment and discuss my account they did not have permission prior to then to contact me by phone ). The Agent was rude, would not identify herself, disrespectful at XXXX XXXX. The Agent misrepresented my Delinquency. Misrepresented and said I had not paid in months. At this time I should have been 8 days behind. After getting misrepresented information, and a negative agent I responded by telling her I have to confirm my last payment date. Because I knew I did use an alternative account once. I checked my records and confirmed I made a payment in XX/XX/XXXX and the only payment missed was XX/XX/XXXXand returned a call to TRANSWORLD SYSTEM Inc. I talked about the the payment confusion. The negative agent, and my XXXX and asked to speak with a manager. After several phone attempts I spoke to a better Agent or manager, told them of my issue and was able to set up a payment to be taken out on XX/XX/2019. However, for some odd reason my credit card information was incorrect. I have used the same credit card information several times before. By coincidence after complaining about my experience, they werent able to take payment. After checking with XXXX XXXX the reason was because the wrong expiration date was given. TSI enters this information. On XX/XX/2019, after noticing the payment had not been drafted I contacted TSI to find out why. Their response was that they werent able to collect payment, and they are now proceeding with garnishment. I then verified with them and my bank why the mishap happened. TSI refused to take any responsibility of what is going on. I also asked TSI to please verify the Debt. I have not received TRUE VERIFICATION. TSI has mislead, misrepresented my payment history several times. TSI has misrepresented the actual Origin of the Debt terms. TSI was abusive, mean, untrustworthy, after I allowed them to contact me for the first time by phone on or around XX/XX/2019 and after. I believe they were offended by my complaint. Have retaliated against me by pursing garnishment and would like to know why my Credit Card Information was in correct on XX/XX/2019. TSI did not give me other options to pay to protect my identity. Did not fully brief me about proceeding to garnishment if the payment didnt post properly by XX/XX/2019. On XXXX XXXX I made a courtesy call to find out what happened. At that time I was threatened and told I exhausted my options, and its nothing I can do. I believe I am a victim of FDCA, they are violating their use of authority. I am a FRAUD VICTIM. My credit card has been compromised and changed more than 4 times this year. I have extended FRAUD ALERTS on my account. I do not fully know if my FRAUD ALERTS, are causing issues with them collecting payments. If its the Automated System, or a disgruntled employee. However the money was on the account prior to XX/XX/2019 and still there on XX/XX/2019. I verified the reason why the transaction failed with TSI and XXXX XXXX on a 3way call. There was no resolution : 1.TSI is in violation of FDCA 2 . TSI are using abusive Communication Tactics. 3.TSI are making False and misrepresented information 4. TSI Isnt being truly forthcoming concerning the Debt, and collection of the Debt 5. I have not received proper VALIDATION OF DEBT I have attached a copy of my Fraud and IdentityTheft and Two past payments taken from same account that was attempted on XX/XX/2019
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX at XXXX ; XXXX XXXX a guy called me telling me he is from Transworld System to collect a debt from XXXX XXXX. I was asked for personal information. I did not disclose because I do not know who this person is or if XXXX XXXX actually hired them. The guy started to get hostile and informed me that without my personal identification - he can not disclose any information even basic ones such as which location of XXXX. I asked him for XXXX contact number so I can call and verify - he refused to give me and got more rude and hostile and said " I don't care - do whatever you want to do. '' He demanded information accusing me of have getting billing mail from XXXX XXXX. I advised I moved addresses this year. He did ask but demanded my home address. Once again I have declined because I do not know who he is and if indeed XXXX reached out to them and not familiar with nature of call. Right after within 5 minutes I kept getting the same call at work. This is form of bullying and harassment. I have every right not to disclose personal information such as date of birth and social security number.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/XXXX I notice in my billing that the Variable interest rate did not drop with the most recent fed rate drop. I reached out the the service providor asking about the loan inerest rate. Twice I was told within 10 minutes of my submission that they just service loan and was not able to help with inetrest rates. I am not asking them to drop the rate but I do expect them to inquire to the lender who is issuing the loan to verify the information they are charging. They don't care if you are over charged because they are going to make their money ethier way.
Company Response:
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: When I checked my credit report on XXXX XXXX, it showed that I had 2 derogatory remarks from unpaid medical bills totaling less than {$400.00}. I learned my debt from XXXX was sold to Trans World Systems. The 2 unpaid bills were from XX/XX/XXXX and XX/XX/XXXX. I called TransWorld in XX/XX/XXXX, and asked about the debt I owed they said I have no outstanding debt with them. I told them my credit report shows otherwise. Then went in to say I had nine ... wait no, five accounts, wait ... I think theres just three? ... I was a little unsettled about the fact that they were so unsure about the debt accounts and amount owed I asked them to send me verification of the debt. They said I would receive it in the mail in 10-14 business days. I never received anything in the mail. On XX/XX/XXXX I called TransWorld again, this time I was prepared to just pay any debt just to get it off my report. Only, once again, they couldnt tell me how much I owed and what accounts were mine. I asked they just send me something in the mail that says if you pay $ $ $ then, we will take these marks off of your credit report ... they countered with if you pay $ $ $ then well send something that says well take it off of your credit report. How do I know what I owe?! They dont even know what I owe! They said they would send me verification in 10-14 business days. I said you told me that last time and I never received anything ... they told me they had no record of me ever calling. This didnt surprise me. Good thing I didnt pay them money in a promise Id receive something in the mail saying it was off my credit, because it seems they never send mail at all. Its now been over a month since I spoke to them on the phone ... I still have yet to receive anything in the mail.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I signed up with XXXX XXXX to check out their Lawn care service and pre-paid in full for One year of service upfront. At the end of the one year of service, I decided to not renew. I had numerous calls from various people in XXXX XXXX asking if I wished to renew their service. I communicated that I was not interested in renewing their service. After a few days I got a letter from them stating that I owe {$170.00} for services rendered this year and if it is not paid, it would be sent to collections. Please note that I had explicitly signed up and pre-paid up front for only 1 year of service. Thinking that this was a mistake, I called them back about it and they said that nobody informed them that I did not want to continue their service and so I owe them this amount. I responded again that I was not interested in renewing their service for another year, and also let them know that I am not paying the {$170.00} because I did not authorize or even request additional service. XXXX XXXX decided to send this " debt '' of {$170.00} to transworld systems for collections anyways.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I got a copy of my XXXX credit report XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.
Company Response:
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-15
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: THERE SHOULD NOT BE ANY DEBIT. XXXX XXXX 'S HOSPITAL VERIFIED MY COVERAGE BEFORE i ENTERED THE HOSPITAL ... KEPT VERYFYING IT ON A WEEKLY BASIS TILL I WAS ADMITTED .... THEN THEY CANCELLED THE ORIGINAL DATE ... THEY MOVED IT TO A DATE WHERE MY OLD INSURANCE WITH XXXX XXXX. I TALKED TO ADMITTANCE TOLD THEM MY DATE WAS BEFOR AND THEY KEPT CHANGING IT. SHE SAID EVERYTHING WILL BE FINE. LEGAL ACTION IS BEING PREPARED TO BE FILED AGAINST THE HOSPITAL THEIR BILLING DEPARTMENT AND THE 3RD PARTY COLLECTION AGENCY. UNDER THE FDCPA THEY Are to notify me in writing to this date no one has. they did call other family members threatened to sue me etc ....
Company Response:
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2019-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A