Date Received: 2019-07-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: To : A Man or A Woman who are employed by XXXX XXXX and are working in the department titled : XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681i ( 5 ) ( A ) ; XXXX and XXXX XXXX XXXX XXXX Team, are in direct violation of as it is IMPOSSIBLE for XXXX to verify accuracy for an account that they NO LONGER OWN or manage and have sold or transferred or ASSIGNED to another company. Assignment : transferring some or all property rights and obligations to another person through a written agreement. I DEMAND TO SEE THE WRITTEN AGREEMENT OF SUCH ASSIGNMENT. ALSO NOTE DO NOT send mail from a Corporation again without identifying a man or a woman SENDOR AND SIGNOR as this is Mail Fraud sending a letter claiming a debt is owed to you without identifying who the sender is nor having the RIGHTS to collect a DEBT. A corporation CAN NOT send mail, a corporation is NOT A LIVING SOULtherefore Identify yourselves or stop sending me mail. The mail and wire fraud statutes both prohibit, in pertinent part, any scheme or artifice to defraud [, ] or to obtain money or property by means of false or fraudulent pretenses, representations, or promises. Also you prove to NOT BE THE HOLDER IN DUE COURSE of ANY PAPER bearing the name : XXXX XXXX XXXX FURTHERMORE a UCC-11 DEBTOR SEARCH has been conducted whereby THERE EXISTS NO LIENS OR CLAIMS CERTIFIED that evidence the claim being made by XXXX or any other organization or entity. With that being said as you ARE NOT the OWNER of the account as you attest that you have ASSIGNED the Alleged Account to XXXX XXXX, XXXX ; then I DEMAND that you CEASE ALL REPORTING OF THIS ACCOUNT AND REMOVE IT FROM ALL AND ANY CONSUMER CREDIT REPORT BEARING THE NAME : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company is reporting inaccurate information on my credit report.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Their pitch : " We Guarantee You're Going To Love It! Samples are great, but we're happy to go a step further. Our first-time customers have the opportunity to inspect our product up close and personal with zero obligation to purchase. '' XXXX XXXX XXXX solicited me about a commemorative plaque. It was sent as a courtesy review, I was traveling and never opened it. I was not interested but it was already delivered. I called to decline and was told I had it over the preview time frame and they demanded payment or I would be sued. I was disturbed by their aggressive behavior and the need to make me feel obligated for a service I did not request. I asked if they would order a return label via XXXX XXXX and they refused with the continued mantra of demanding payment, first with a deep discount and trying to negotiate a lower rate. I was not interested and was clear about my decision to reject the item. Then sent an invoice for the full amount. Soon after the letters from XXXX XXXX XXXX, came the calls and correspondence from Transworld Systems. I attached a letter dated XX/XX/2019, outlining the events and the proof that the product was returned unopened. It seems that XXXX XXXX XXXX uses bait and switch tactics to force a sell. I am appalled since the target seems to be women business owners who are recognized for awards. I would never do business with a company who forces products and services on anyone. I found the unprofessional, unethical and aggressive.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans have been on autopay for years. I have not missed or been late on a payment for well over 5 years ( don't think I have ever ). In XXXX of this year I noticed the repayment was still on interest only, I called and after many hours on the phone was finally able to get them to switch repayment from IO to one that was amortizing. I asked if the autopay would remain and was told yes. I live in NJ but spend the work week in CT at an apartment I rent. As a result I'm not home Monday through Thursday and knowing that my account was on autopay, I instructed my wife to just put anything from UAS ( University Accounting Services ) - which I'm assuming is the loan servicer - in the shredder. A few months later I noticed my credit rating had dropped. When I investigated the cause, I found it was the student loan account. After further digging I saw that autopay was still on, but UAS was only pulling the old IO payment from my account, so I was underpaying by the principal component due. I called UAS and explained that I didn't understand why they didn't keep the autopay as I had set it up to collect the full amount due, and furthermore, if they weren't going to do that, why had I not been told I would need to amend the autopay to now make a larger payment. The autopay was not set up as an outflow from my bank but rather them pulling from it. I asked what could be done to reverse the reporting to the credit bureaus, to which I was told basically nothing. I asked to speak to a supervisor and again explained the situation, I was told the request would be placed with an account specialist and they would call me back. This was over a week ago, and not to my surprise, I have heard nothing. I immediately brought my account current when I discovered the error and instructed them to amend the autopay to pay the balance due each month in full. They also told me it was the lender that submitted the default ( even tho payments were being made, just not the new higher payment ) to the credit agencies. I asked for contact info so I could speak to the lender. I was told they didn't have a phone number, only an email, and they couldn't give that out. The lender is XXXX XXXX XXXX XXXX. I want to get this removed from my credit history as it should have been very clear to anyone there looking at it that the autopay was not updated. If someone took 5 minutes to look at the account, they'd have seen very clearly that it was still the old payments being pulled by them and a simple phone call to me to update ( it's a mystery to me this wouldn't have been updated automatically ). There were no phone calls made, no emails sent. I just want to get this blemish off my credit report, and the credit report of my father, XXXX XXXX, who co-signed the loans some 10+ years ago. Thank you.
Company Response:
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/19 I noticed a collections agency had appeared on my credit report, by the name of Transworld Systems Inc. When I became fully aware of them I called them to see what business I had with them? They stated I owed them money for a XXXX from another company ... ... I told them I don't owe any debts, I have no collection accounts on my credit report. I also asked them, if we had any business between us and can they provide proof I have a legal obligation to pay them? I sent a debt validation letter to them by fax and informed them they had 24-48 hours to remove this item from all three credit bureaus. As of XX/XX/19 the item is still on my credit report and I called them. I spoke with a man by the name of XXXX XXXX and he confirmed they received my debt validation letter. I also informed them at the beginning of our conversation all calls were being recorded. I was transferred to a supervisor by the name of XXXX XXXX and he tried to inform me it's a process in order to get this item removed or not. I became very upset and informed them I have no business with Transworld Systems Inc. They are trying to ruin my credit and they know we have know business with one another. I also informed them once again they need to remove this item from my credit report ASAP!!! I made them fully aware of me, making this the report as well. They are crooks and try to collect money not owed!!!!!!
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: COLLECTOR VIOLATED THE AUTOMATIC STAY IN XXXX CASE XXXX, THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, TITLEX CFPB.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: on XX/XX/XXXX XXXX XXXX XXXX XXXX sold debt that was listed and discharged on XX/XX/XXXX. bankruptcy XXXX. Finally, new tradeline now appearing on all credit reporting bureaus. TRANSWORLD SYSTEMS HAVE VIOLATED ALL CONSUMERS LAWS AS WELL AS AUTOMATIC STAY!
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a phone call from phone number XXXX and they were alleging that they were from Transworld systems Inc. They stated that on XX/XX/2014 I accrued a {$110.00} debt from the company XXXX XXXX. They allege that my account number is XXXX. Today is roughly 5 years after the alleged debt. And until my conversations with this company today Ive heard nothing about the debt. No notices have been sent nor they will they released me any information or proof the day The debt to me. Im not sure that this is a legitimate company nor a valid debt. I did call XXXX XXXX and they have no record of a debt.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX has reported a business account to my personal credit bureaus. This was for a business and not my personal account. XXXX XXXX has refused to remove the account from my personal XXXX. Also, the representative informed me the account has been sold to nationwide credit. Previously I was informed the account was not going to be sold, however today I was told it was sold. I requested 4 months worth of statements from 2016, they said they would send them to me but never did. I asked for these documents dozens of times. XXXX XXXX hasnt sold the account to any agency. However I was told it was by XXXX with XXXX XXXX. Her ID XXXX. They have lied to me over and over again. I confirmed with the collection agency was it sold. Nationwide Credit inc XXXX XXXX pa, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67501
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Transworld Systems calls before XXXX multiple times and they are aware that I live on the west coast yet they continue to call before XXXX.
Company Response:
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A