Date Received: 2019-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld Systems Inc. is trying to collect a debt for an unknown, unverified parking violation for a car that I havent driven in almost two years and that I sold over six months ago. I never received any citation from the original creditor ( XXXX Municipal Court ) while the car was in my possession, nor is the debt on my credit report. TSI has sent me two collection letters. I disputed the first letter in writing and sent it via certified mail on XX/XX/2019. They ignored my dispute and sent another collection letter with interest added. The first letter is dated XX/XX/2019 and states a balance of {$55.00}. The second letter is dated XX/XX/2019 and states a balance of {$71.00}. They will not verify the validity of the debt, yet will keep sending attempts to collect.
Company Response:
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Transworld Systems Inc on XX/XX/2019. The leeter stated they were collecting a debt for XXXX XXXX XXXX XXXX in the amount of {$260.00}. The letter also stated I had a past due account with the company ( XXXX ) who attempted attempted to bill the charges to my credit card, but the charges were denied. I have never used XXXX and I do not have an account with them. They have never sent me notices to explain any debt they believe I owe. After researching online I have come to see this appears to be a common scam which may involve identity theft and theft of credit card numbers. Earlier this year someone used my credit card number to place an order out of XXXX XXXX XXXX, but that charge was quickly discovered and denied. The order never went through.
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Contacted by TSI ( https : //www.tsico.com/ ) XX/XX/19 @ XXXX ( XXXX XXXX -A female asked to speak with XXXX XXXX. Without confirming my first and last name I asked " who am I speaking with ''. The agent responded with her first and last name. I asked " what company are you with '' and she disclosed her company name as well as the Original Creditor for the debt in question. -Mini-Miranda is a legal warning debt collectors are required to use at the beginning of communications with consumers, both written and oral. ... The purpose of the communication is to collect a debt. Any information disclosed by the consumer will be used to collect the debt. < -- This was not said. Please pull the recording.
Company Response:
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2019 I reached to Nationwide credit inc about my XXXX XXXX card. They said I owned XXXX we settled the account at XXXX. One payment on XX/XX/XXXX of XXXX, a second payment on XX/XX/XXXX of {$1000.00}, and third and final payment of {$1000.00} on XX/XX/XXXX. They said they would send me a settlement letter explaining the deal we had just agreed on. I spoke to XXXX and his manager. Today XX/XX/XXXX I called back because I hadnt received the settlement letter even though I had already made the first payment. Nationwide told me there was no settlement and that I now owed added interest on the account which totaled around {$240.00}. They took my inicial payment on the settlement didnt send me a settlement letter and are now charging me interest. According to the Nationwide there was no settlement done and I still owe the full amount. I feel ripped off of my rights as a consumer and as a citizen. They reported the wrong amount to the credit bureaus. Even though I made a {$450.00} dollar payment on the settlement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I borrowed {$5000.00} in 2006 from at the time, " XXXX XXXX XXXX " now called Younomics. Aside from the times I was in school, I have made payments on this loan. In that time I have paid {$8000.00} into this loan. I still owe them {$5200.00} AND an additional {$400.00} in accrued interest from when I was getting my Masters and Bachelor 's. By the time I finish paying off this loan, I could have used that money towards a house or a brand new car. This is robbery.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In the beginning of this year, 2019, I had had an appointment for a XXXX XXXX scheduled with the XXXX XXXXt attempting to collect a debt through this credit agency. The debt is for what the XXXX XXXX office claimed was a " no show. '' I had told this office that I was hospitalised with a XXXX XXXX, and there was no way that I could make this appointment. They threatened me when I called them on the phone to resolve this issue, saying that they were going to pursue every legal action they could in order to force ( yes, they used the word " force '' ) to pay this amount - which is a very small amount. However, I told them I would not, based on principle, especially after speaking with the woman on the phone who became hostile, and at that time they said they were going to take action. I was told my a lady that works in the office ( she usually checked me in when I used to see this XXXXt ) that the debt/fine should be removed, and that whomever insisted on charging it at this office should not have charged it in the first place. But this particular lady did not have the authority to do anything about it. Even though the office had been given notice that I could not make it, they claimed I did not give them notice - but I have witnesses here that were in my home ( and not just family members ) - that will attest that what this XXXX XXXX office is saying is untrue/inaccurate.
Company Response:
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My name is XXXX XXXX SS # XXXX Re : XXXX University acct # XXXX UAS ; XXXX account opened : XX/XX/XXXX I talked to a lot of peoples over a 3 month period. My student loan was put in collections, and all of a sudden I noticed it showing back as updated on my credit. I am in the process of getting a house and called my credit consultant and she told me to call them and ask why it is showing up and request it to be removed due to it being over 7 years. It was removed from collections and updated to my credit report. This caused my score to come down and it shows about 21 late on my credit history. I talked to XXXX University who referred me to collections, who referred me to talk to UAS. I was told that I could apply for hardship to get this payment decreased or removed all together. I was denied for some reason. I sent in letter to request this be removed from my credit due to this bill being since XXXX. I was told if I paid the XXXX they would remove it from my credit. I paid this amount and asked them several times during the conversation in XXXX and In XXXX will this be removed and I was told yes that once I made payment they would contact credit bureau and remove it. I paid this on XX/XX/XXXX. I called back in the next day and asked them when would it be removed and the lady told me they would update but would not remove. I told her that's not what I was told and I am upset because I explained to the guy that my credit consultant told me to ask them to remove if I paid it and if they were not going to remove it I would not pay it because it would not help my credit. I asked to talk to supervisor and got the same response. I called my credit consultant and she told me to call back and request it be removed because they should not have told me this in the first place. If they refuse to remove to le them know I would file complaint with CFPB. I didn't know the exact date the guy told me they would remove and I suggested that they listen to the calls and they would hear him telling me this. There was a language barrier and I explained to him several times and he said pay and we will remove not update. The supervisor said he would investigate and call me back. He called me on XX/XX/XXXX and said he listened to the calls and I did ask them to remove and was told they would update my credit. That is not true and I don't believe he listened to all the calls or he just not admitting the truth. I am very upset because I feel like I was mislead to pay just to get my money. I strongly feel they should remove this account from my credit due to their mistake. They updated it in XXXX they said and I don't know why. the 7 years statue of limitations would have been over in XXXX. Please review this case and ask to hear all the recordings and you will hear where the guy told me this.
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a phone call this morning from Transworld Systems Inc, attempting to collect on debts that the statute of limitations ran out on back in XXXX. I was sued on multiple occasions in XXXX, and each case was dismissed without prejudice, because TSI did not have the proper documentation. The guy on the phone told me they now have the proper documentation and can re-file a suit unless I can figure out a resolution. He outright lied to me and illegally tried to get me to make a payment or enter a payment plan, via bullying tactics. The number he called from is XXXX. When a lawsuit is filed, it does not toll the statute of limitations. And the fact that the lawsuits were dismissed without prejudice did not extend the statute of limitations ; they continued to run.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
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: Upon inspection of my credit report, I found charges adding up to {$600.00} abouts. XXXX XXXX Idaho, aka TransWorld Systems, is also reporting that I owe them. Problem with that is I have tried reaching out for them to fix their mistake as my service kept getting cut off. They say it's withing guidelines of me oweing them. XXXX is who should be taking care of that not me. I had XXXX service but stopped when was security breeches on my account four times at least.
Company Response:
State: AK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account has been reporting on my credit since XX/XX/2019. The amount is XXXX. I have sent several request for validation but they keep sending me a bill but not validating the account. It is affecting my score terribly and I would like for it to either be validated or removed.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A