Date Received: 2019-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was notified that a collection agency reported a debt on my credit report in the amount of {$150.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Transworld verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Transworld and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Transworld requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report. '
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection letter from Transworld systems I never herd of this company. They are stating that I owe {$1000.00} in XXXX XXXX tunnels tickets. This is untrue., This company has not shown me any tickets or passing. I always pay my tolls cash if I did not have an active easy pass I paid over 200 XXXX XXXX money in XX/XX/2018. This company has found some time of balance with someone and charge me with it. I do have or presumed to have had a balance with XXXX XXXX for {$40.00}. I demand this be discarded and this accusation be dismissed I do also believe this company should be fined for false documentation. This collection agency is a fraud persone who to contacty XXXX XXXX XXXX This company has a charge repeated over 22 times and they have no lic plate # I did not have a car during this time where did this come from what state and how where this is not true what car what year!
Company Response:
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-23
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hi All, I am writing this so that it is on record that I XXXX XXXX have attempted to explain previous to both XXXX and XXXX XXXX XXXX that paying my loans would place me in hardship. I have in total federal and private XXXX worth of student loan debt and have yet to reach graduation in school due to the XXXX - XXXX school year of XXXX XXXX now XXXX retrieving my loan in my XXXX year from XXXX univesity. This matter has since caused me XXXX to which I have taking medication on as well as affected me from paying back my XXXX bills due to my diagnose of XXXX. I have several XXXX bills unpaid for an my condition can be XXXX or XXXX at any point in my life which is on record. According to my doctor i have had XXXX my entire life it just recently has taken over my body causing me to be hospitalized from XX/XX/XXXXup until on off XX/XX/XXXX and on bed rest. I just went back to work in XX/XX/XXXX which is on record since I was on XX/XX/XXXX. In starting my new job I also have no health insurance currently and am not sure I remain seeing as though my health has not been 100 percent an the affect of paying back these loans are causing server XXXX. The loan companies have used tactics such as threats, calling my family ( XXXX XXXX XXXX did this ), telling me I have no options, and depleting my credit score. I would like for the CFPB to step in with ways on how to assist a consumer who has both private and federal. I am writing this so that if in the case I end up back in the hospital or in court that it is on record that I have searched every day for options and have atleast spoken to both companies once for a clear and reasonable understanding and they have failed. One is taking me to court and the other I am paying .. I also have loans with XXXX which come back into affect within XX/XX/XXXX.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-23
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Judgement was placed from XXXX XXXX loans for a proposed loan that exceeded the federal time limit. I requested proof and nothing was provided. Currently judgement is on my credit damaging my credit score.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have contacted this company on multipal occasionsand informed them that this was paid by insurence. they have informed me that the original comany ( XXXX XXXX ) was not given insurence info. Which at the time i did provide to them ( XXXX XXXX ) the insurence info. I have disputed it through them several time Which at that time they have told me they would report to the accurate standing of the acct to the credit agencys. To this day it is still showing open on my CBR not as a DISPUTE. i contacted them today XX/XX/2019 at XXXX and was advised of the same thing.
Company Response:
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was XXXX with my XXXX child in XXXX. She was born in XX/XX/XXXX. I was on XXXX then because I was not working. I had been on XXXX since my son was born the year before that. I was a patient at XXXX in XXXX. I was always seen for appointments here, and never was questioned about my Medical coverage because of what they already had on file. Never did I have to pay a co-pay of any sort. Toward the end of the XXXX in XXXX I had to do the renewal paperwork for the upcoming year. I turned in everything, and was always told I was missing some sort of paper. I would get that in and something else would be missing. I was worried that coming up the birth would be affected by this and I knew it would be expensive. So I did everything I could and complied with whatever was required of me. I even tried to hand carry in the documents in the office in XXXX but they told me I could not do that, and I would have to mail them. I just didnt want them to get lost. So I would mail them from outside their office. They had informed me that they would back pay the payments 3 months from the submission of my application while it awaited approval in XXXX. Come the birth, we stayed days and they nurse told us XXXX had only covered 3 days, therefore I was covered again. I recently applied for a mortgage loan and was ready to close in the next few weeks. A new collection from XXXX had popped up and dropped my score significantly. I immediately called XXXX and asked what I could do to get this removed because of the situation that I was in. I had told the lady that I thought this whole Insurance thing was behind me. I had already spoken with XXXX and XXXX about paying the past bills because they would retro pay the time I was still getting in documents that they kept losing. XXXX had me call XXXX to ask if I could pay them and have them remove the account from my credit report. The Manager there told me she was unable to do that because once it leaves their office it is out of their hands. I told XXXX this and they said it was false, they will only let the Credit Bureau know my account is paid off, but will not delete. Only the Hospital can do that. So I went back and forth getting nowhere. All I wanted to do was pay off the entire debt and get it cleared. I had told them I was willing to pay it in full right there but nobody would help me get it removed from the report. This entire thing was a mix-up and is now so old, I have no documentation for it.
Company Response:
State: NM
Zip: 88011
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
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 have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX I have so many inquiries and accounts that I know nothing about like XXXX and Transworld. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is actually a two-fold issue : attempt to collect a debt that was already paid and attempt to collect more than owed. On XX/XX/XXXX, I received a phone call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX ( XXXX XXXX ). I do not recall the exact amount, but it was around {$320.00}. I had paid this account IN FULL to XXXX XXXX on XX/XX/XXXX in the amount of {$270.00}, which was the total amount due. After hanging up with Transworld Systems, I called XXXX XXXX and confirmed that my previous payment of {$270.00} was the only amount owed and my balance was {$0.00}. They also indicated that they do not use Transworld Systems for any collections and that they would contact Transworld Systems. On XX/XX/XXXX, I received another call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX. I indicated to the caller that the account with XXXX XXXX had been settled two months ago and that XXXX XXXX had indicated they did not use Transworld Systems for any collections. They indicated that they would get in touch with XXXX XXXX. I then called XXXX XXXX and was assured that they had contacted Transworld Systems in XX/XX/XXXX to let them know they should not be calling about this account. I was assured that they would be contacting Transworld again because " this is bordering on harassment. '' ( Their words, not mine ... although I agree. )
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I received a fraudulent charge to my credit card for {$150.00} from XXXX. I disputed this charge with XXXX XXXX XXXX and they decided in my favor. From XX/XX/XXXX until XX/XX/XXXX I did not receive any correspondence from XXXX XXXX XXXX or XXXX. On XX/XX/XXXX I received a letter from Transworld Systems ( a collection agency ), alleging that I had a balance of {$4900.00} due with XXXX that they had passed on to me. Again, I had not received any prior correspondence from XXXX that I had outstanding bills due. After calling XXXX, I learned that my online account had been illegally accessed, and the criminals had gained access to my saved credit cards and were able to use that info along with my saved billing address to send out 4 invoices totaling {$4200.00}. They also changed the email address to their email ( which I have a picture of ), and changed my password.I have full PDFs of all of the fraudulent shipment invoices, many originating in New York state and Washington State, and all shipping to XXXX. XXXX 's Fraud division closes cases after 90 days and thus they were not able to help me, so I have filed a police report and am filing this CFPB report in hopes that it can be resolved. I am hoping that I can provide proof to XXXX that the charges were fraudulent so that they can let the collections agency know that they were fraudulent and drop the collections. Transworld can not do anything about my charges unless XXXX gives them approval, and XXXX claims they can not help me since it has been longer than 90 days since the charges were made. This leaves me in a difficult position.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you instead of your attorney
Consumer Complaint: On XX/XX/XXXX at XXXX CST, XXXX XXXX XXXX called my place of employment ( my desk ), after being transferred from the operator, from phone number XXXX. I was sued ( served ) by XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. I had retained a lawyer and both cases were dismissed. One was dismissed in XX/XX/XXXX and the other in XX/XX/XXXX. These cases were dismissed without prejudice. The first one was dismissed because XXXX XXXX XXXX dropped the lawsuit and the second was Dismissed for Want of Prosecution. I should not be receiving phone calls from XXXX XXXX XXXX as both cases were dismissed. The statute of limitations has also passed ( 4 years in Texas ). XXXX XXXX XXXX has never contacted me at work and I am unsure why they are attempting to contact me at my place of employment given the reasons above. When they called they stated that it was regarding a personal matter and asked for the last 4 digits of my social and mailing address. I refused to provide either and hung up the phone.
Company Response:
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A