Date Received: 2019-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company appeared on my credit report as a collection. shortly after I received a letter in the mail regarding this account. I have spoke to various people at this company to try and resolve the matter they have not sent me any validation for this account I told them this was not my account but the collection calls keeps coming with no verification.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I just recently reviewed my credit report and saw an unknown issue. It appears to me that XXXX XXXX XXXX, a company we rented a cello for my daughter from a few years ago, has been charging me for cello rental even though the cello was returned in XX/XX/2016 and I have not once received a bill or been contacted regarding this since the cello was returned. Clearly, they sold this made up debt to a collection agency who has also never contacted me, yet its on my credit report as delinquent since XX/XX/2016. The response from XXXX has just been a photo of the months of the year with red dots indicating that I didnt pay. I have not been able to reach anyone there as when i call Im on eternal hold and eventually disconnected. The cello was picked up from XXXX XXXX XXXX XXXX from the receptionist. I will attach her email confirmation with me.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX has sent an {$11.00} " debt '' to collections after I already called them to indicate that I do not have any kind of XXXX account and that any charges were a result of fraud, credit card theft, or identity theft. I have a voicemail from their fraud department indicating that they were handling it and would remove the " debt ''.
Company Response:
State: MI
Zip: 48071
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a collection account on my credit report this was fraud I sent in a fraud package which includes a police report on this XXXX XXXX account they are the original creditor the collection agency name transworld system is reporting this fraudulent accounts on my credit report
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was contacted on XXXX XXXX by a company called TransWorld. The phone number they contacted me from was XXXX XXXX XXXX XXXX. The man on the phone asked me about my sister, who is a minor ( I am not, I am her older brother and am XXXX years old ). I denied knowing her at first because I didn't know who these people were or what they wanted with her. They then asked if I knew her parents at least ( obviously I do because they are mine too ). At that point I said I do not consent to being recorded, at which point they ended the call. I then called them back and asked for their company name, they said it was " TransWorld ''. I explained that I just got a call from them asking about my sister, reiterating to them that she is a minor. I asked why they were trying to contact her, they said they could only talk to a legal guardian, and strongly implied it was my mother they are really trying to get in touch with. I asked them directly if they were a debt collector, they lied and said they were not. I told them it was unacceptable for them to be calling me about my sister like this, they quickly said they would remove my number and ended the call. I then looked up TransWorld, confirmed they are in fact a debt collector and called them one more time to confirm why they lied to me and ask why they are calling me about my sister, who again is a minor. The woman who answered this time denied any knowledge of it, I reminded her that they say at the beginning of the calls that they are recording and demanded that they stop calling me, stop harassing my family, and they are to never drag my sister into this again. She said she would remove my number, and gave me a number to call if I receive any more calls from them ( XXXX ) XXXX. She indicated it could take up to 24 hours to remove my number from their system, which I believe is unacceptable, they need to be able to remove numbers immediately. I believe they have violated the law by attempting to deceive me by asking about my sister, who is a minor, and lying when they initially told me they were not a debt collection agency. I discussed with my mother and we believe we know what debt this may be in regards to, in which case they are further violating the law by contacting me at all when they already have my mother 's contact information.
Company Response:
State: PA
Zip: 19355
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX and XXXX. XXXX XXXX lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I CONTACTED TRANSWORLD SYSTEMS INC REGARDING MY ACCOUNT WITH THE DOD XXXX/XXXX XXXX XXXX. i ADVISED THEM THAT I NEEDED TO DISPUTE THE DEBT AS I WAS NOT ABLE TO MAKE PAYMENTS DUE TO ME NOT BEING AVAILABLE TO HANDLE MY ACCOUNT. I INFORMED THEM THAT I WAS XXXX XXXX AD NOT ABLE TO TAKE CARE OF THIS ACCOUNT ALONG WITH BEING XXXX XXXX I WAS ALSO IN A NON PAY STATUS WITH THE XXXX I ADVISED THEM THAT ALL MY PAYMENTS WERE MADE UNTIL I GOT ORDERS TO MOVE AND I COULD NO LONGER HANDLE THE ACCOUNT I ALSO TOLD THEM I DIDNT HAVE ANYONE THAT COULD TAKE CARE OF IT FOR ME AND THAT I NEVER MISSED A PAYMENT PRIOR UP TO MY XXXX XXXX. I ALSO ASKED FOR A REPAYMENT PLAN AND FOR THEM TO CORRECT MY CREDIT REPORT I ALSO ASKED THAT THEY REVIEW MY ACCOUNT TO GIVE A HARDSHIP PLAN NONE OF THIS HAPPENED IN FACT THEY STARTED WAGE GARNISHMENT AGAINST ME EVEN WHILE I WAS WAITING FOR A REPLY ABOUT THE HARDSHIP AND THE CREDIT REPORTING.I ALSO ASKED FOR DEBT VALIDATION AND SPOKE WITH XXXX XXXX WHO WAS VERY RUDE AND SAID THAT IT WOULD TAKE 30 TO 45 DAYS FOR THEM SO SEND ME ANYTHING IN THE MAIL. I ALSO ASKED WHAT THE TWO CHARGES WERE LABELED TSI PAYMENT SHE SAID THAT WAS THE INTEREST I WAS PAYING AT 16 % AND THAT IT WAS ALL IN THE CONTRACT I ONCE AGAIN ADVISED HER WAS DISPUTING IT
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/19 I received a phone call from a debt collector ( TSI Prime Collections Agency ). They were attempting to collect a debt for {$390.00} from XXXX XXXX XXXX. In XX/XX/2019 I filed 2 fraud claims with XXXX XXXX XXXX. As of XX/XX/2019, the investigation is still in progress. Despite the long length of time it has taken to complete the investigation, XXXX XXXX XXXX assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. TSI is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both TSI Prime and XXXX XXXX XXXX Recovery Department, neither one of them could explain the difference between the two amounts. I would like to request an explanation for the discrepancy as well as a timeline as to when the fraud claims will be resolved so that I can be cleared of all involvement with TSI and XXXX XXXX XXXX.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Nationwide Credit , Inc. send the attached letter trying to collect monies that i don't owe, I have agreed on paying {$260.00} over 12 months until XX/XX/2019, also, XXXX XXXX was doing automatic withdrawal from my account, thye have decided to turn it ove rot collection agency, the glowing re the facts : 1- agreed with XXXX on {$260.00} over 12 months 2- after 12 months they will show it is agreed upon payments on my credit report 3- I authorized XXXX XXXX to withdrawal monies form my bank account and they established this. 4- after 10 payments they send the same account collections agency. it is illegal and fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97267
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe this office ANY money for anything at all. They have billed my insurance for a sleep study that did not occur, and they are trying to get me to pay this frivolous bill. They have sent it multiple times saying it's for not showing up for a sleep study - but 1 ) sleep study was never conducted, and 2 ) they were aware I was not going to be fit to participate in the sleep study. I've called them, and they have me leave messages, which are never returned, and then when I have talked to someone in the office, she said the {$250.00} should be dropped - and should never have been charged - but she did not have authorisation to remove charges ( only to add new ones ). When I tried to take care of this and resolve it in person, while in their office, and asked to speak with the office manager, she said it was not up to her. Basically, I was getting the run-around while in person. Then, they would call, and send a LOT of mail trying to bully me - threatening to sue (? ) while all along I kept telling them that I don't owe them anything for what they're claiming, and don't understand why I can't get through to them. I do not owe this office a cent.
Company Response:
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A