Date Received: 2019-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, On XX/XX/2019 my XXXX XXXX credit card information was compromised and I was left with a fraudulent {$330.00} charge from XXXX on my account. I spoke with XXXX XXXX 's fraud team about the matter and they removed the charge from my account and issued me a new credit card. Today I received a letter in the mail from Transworld Systems Inc., a debt collection company. The letter claims that the fraudulent XXXX charge was never taken care of and that I now owe them {$380.00}. I am contacting you because I would like some assistance in settling this matter as quickly as possible before it affects my credit scorXXXX. I have physical proof from XXXX absolving me of any debt owed to XXXX or any related debt collection agencies. Thank you.
Company Response:
State: MI
Zip: 49508
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, XXXX XXXX, ie, XXXX, ie younomics, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with XXXX lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that XXXX agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and younomics needs to stop reaffirming a debt they agreed to discharge.
Company Response:
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: RE : XXXX XXXX closed account # XXXX Transworld Systems Inc. account XXXX XXXX I need help resolving a difficult issue caused by XXXX XXXX systemic failure to correct billing errors. Now it is impacting my interest rates, insurance rates and ability to obtain financing. XXXX XXXX failed to correct initial billing error. XXXX XXXX failed to provide results of investigation ( their number XXXX ). XXXX XXXX failed to provide a hearing with a local Utility Hearing Officer. XXXX XXXX failed to communicate beyond final billing. XXXX XXXX failed to provide my correct address to the debt collection company. In summary XXXX XXXX failed to respond to all communications, oral and written, and now inflicting undue damage to my credit profile. From the day ( XX/XX/XXXX ) we set up a gas service account, we have maintained accurate records of all communication with XXXX XXXX. Since receiving the first bill we have had numerous lengthy telephone conversations and submitted written proof of the billing errors as well as a written request for a hearing with a Utility Hearing Officer with no response. We opened the natural gas account in XX/XX/XXXX to keep a vacant house from freezing and closed the account in XX/XX/XXXX and paid the final bill XX/XX/XXXX, less the amount ( {$330.00} ) in dispute. No follow-up bills or letters were received. This led us to believe they had corrected the account. But in mid XX/XX/XXXX, during a periodic check of my credit history, there was a new account! In the derogatory remarks section of my credit report, Transworld Systems IncXXXX XXXX now claimed a collection debt of {$330.00}. I immediately called Transworld Systems to dispute the claim. They claimed since I did not response to their XX/XX/XXXX letter within 30 days, my opportunity the dispute the claim expired. Apparently XXXX XXXX had not provided my address ( the same for over 16 years ) to the collections company and so no letter was delivered to me. On XX/XX/XXXX Transworld Systems Inc. sent a letter with sufficient account information such that a formal dispute letter was sent to them XX/XX/XXXX, with no response to date. I need your help to force XXXX XXXX to correct the billing error and XXXX to remove the collection derogatory remark from my credit record. And since the account has been closed for more than a year and the account is a write off. Without fixing this, it will negatively impact me for the next 5 years or more. Please let me know if you can force XXXX XXXX and Transworld Systems Inc.to fix this, and if so provide periodic progress reports. Thank you Sincerely XXXX XXXX XXXX Attachments, copies of 1 ) XX/XX/XXXX letter to Transworld Systems Inc 2 ) XX/XX/XXXX Transworld Systems Inc letter 3 ) XX/XX/XXXX telephone conversations with XXXX XXXX 4 ) XX/XX/XXXX letter to XXXX XXXX with final payment 5 ) XX/XX/XXXX bill payment 6 ) XX/XX/XXXX letter to XXXX XXXX with payment, photos of initial and XX/XX/XXXX meter readings, and XX/XX/XXXX telephone conversation notes. 7 ) XX/XX/XXXX ( XXXX XXXX ) photo of initial meter reading
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 1. Previous to XX/XX/2019 reported the issue of the incorrect line item to all 3 credit bureaus and the credit bureaus reported that the line item was Resolved by Data Furnisher. 2. On XX/XX/2019 wrote to the Data Furnisher of the line item requesting validation of the debt. The Data Furnisher has a different address for each of the three credit bureaus. Having 3 different address appears to be an attempt to confuse the consumer and cause diversion. I sent a certified letter requiring a signature to all three addresses listed on the 3 credit bureau reports. 3. On XX/XX/2019 wrote to all three credit bureaus to address the concern again and provided the collection of documentation to include : previous letters sent and copies of the certified mail certificate requiring a signature ( one of the three was returned as undeliverable ). It has now been 120 days and I have not heard back from the Data Furnisher.
Company Response:
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hi. It looks like in XX/XX/2018, 2 accounts were open NCC BUSINESS SERVICES. 1 is for {$1000.00} and the other is for {$3000.00}. I have disputed with each Bureau multiple times and it hasnt been deleted from all. I have never received any sort of notification from this company about this debt.
Company Response:
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX SAID THAT I OWE THEM XXXX DOLLARS FOR RENT THAT IS NO WAY POSSIBLE THEY STOP TAKING MY PAYMENTS AND WOULD NOT TAKE THE LADY THAT I DEALT WITH I DONT REMEBER HER NAME, BUT THEY DID ME WRONG, AND THIS IS NOT THE RIGHT PRICE AND NBEED TO BE DELETED IMMEDIATELY BECAUSE THEY WOULD have BEEN DONE PUT ME OUT WAY BEFORE THIS BECAME THIS AMOUNT
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a notification of my credit report dropping due to this debt. I had zero communication on this debt and who to contact to dispute it.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2019-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I received several bills from XXXX XXXX in XXXX. As the bills came in, it became confusing as to what was redundant and which was new. After paying several of their bills, I began getting correspondence from a collection agency ( XXXX XXXX of the city of XXXX, license # XXXX ), demanding payment of debt owed. As each demand arrived, I sent payment not sure if it was already paid or not. I began getting phone calls demanding payment as well. Today, I received my second notice of demand, asking for XXXX. No dollars, no cents. I ask them to stop sending me threatening letters and phone calls to no avail. Consumers should not be threatened with diminished credit for a debt that even the collector agrees is not owed. Thanks
Company Response:
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2019-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was notified that I had a negative report on CFPB. Don't know who or what the report is about.
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Transworld System Inc. is reporting a medical collection in the amount of {$1800.00} opened XX/XX/XXXX and I have not had any medical bills for XXXX. I had a collection back in XX/XX/XXXX for a different amount. They do not report the date of last activity on either of these reports.
Company Response:
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A