Date Received: 2019-02-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Today I got a call from a debt collector TSI. The rep said it was on a recorded line despite me not giving consent and I asked what it is in regards to she told me and I asked to only correspond by mail with no more phone calls. She then asked me how I would like to take care of the matter and I said when I get the paperwork I will have a look at it. She said well the paperwork takes 7 to 10 days to get to you I need to know how youre going to take care of it before then and I said this is the 2nd time Im asking you to only correspond by mail. This is total harassment! She laughed and said youve been in collections for almost a year Im asking how you plan on paying for it I said this is the 3rd time Im asking to correspond only by mail. She said I know you are aware of this bill and I want to know how much youre going to pay today. I said this is now the 4th time Ive asked to end this call and correspond by mail only. She said youre in collections you owe {$1000.00} and I need to set up the payment today and I said for the 5th time i am asking to only correspond by mail on this matter She laughed again and said well we arent going anywhere I will end this call now and will call you again
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/XXXX, I had an emergency medical in XXXX XXXX NV - away from home. I was treated in ER and was hospitalized. Numerous bills resulted from hospital, ambulance company, other doctors that treated me. I requested payment plans with most of them. I received an invoice from XXXX XXXX XXXX, XXXX mid XXXX. I entered into a payment plan with them for {$25.00} per month XX/XX/XXXX. I did not realize the would not deduct the {$25.00} per month automatically like the other arrangements I had made. On XX/XX/XXXX, I received one letter from Transworld Systems Inc a collections agency letting me know they were trying to collect a debt from XXXX XXXX XXXX. I checked my file for all of my medical bills from my XX/XX/XXXX hospitalization and had no such bills from that name. I received two calls in XXXX one on XX/XX/XXXX and another on XX/XX/XXXX, both made to my cell number and from an off shore collections agency from XXXX with a very thick accent saying he was trying to collection a debt from XXXX XXXX XXXX. He asked me to verify by SSN and date of birth both times and I refused since it was an off shore company and call and I could barely understand the caller I told him I was not comfortable verifying my DOB or SSN over the phone and on both calls asked for a letter to be sent to my home address so I could verify the debt. I got no such letter. On XX/XX/XXXX I got an alert that a derogatory account was added to my credit bureau impacting my credit rating and score. I called the number on the notice through the credit alert and I called it about a dozen times, it would connect me to a voice mail that was full. So, I was able to finally connect with Transworld Systems on XX/XX/XXXX. They said they would go back to the doctor billing office and explain the confusion with the different names of the billing and the collections notice and basically said there was nothing that could be done. As of today, I have paid the collections agency in full for {$250.00}. Now, I want to dispute the collections practices. There was an error on my part when I set up the payment plan in XXXX for {$25.00} a month. I thought they would take the money out every month and they didn't and since it was not paid they sent to collections. The name on the Collections notice was for XXXX XXXX XXXX but the name on the actual invoice from the Doctor that I made the payment plan with was XXXX XXXX XXXX, XXXX. I did not know that the collections agency debt was for XXXX because the collections notice said it was for XXXX. When the collections agency called me on XX/XX/XXXX and XX/XX/XXXX I would not verify my info and I asked for a letter via mail to verify the debt. Neither call resulted in a letter and therefore they did not allow me to verify the debt. Transworld Systerms Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Spoke with XXXX XXXX I spoke with Tranworld approx. 7-8 times to resolve this.
Company Response:
State: OH
Zip: 43035
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I requested information of the debt. The amounts shown on the information sent are different from what is being reported on my credit report. It also appears that my insurance company paid part of the two debts and with the new laws it should be removed from my credit report
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2019-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hard Credit inquiries I do not recognize on my account. Some accounts are repeating and can never dispute. Been 3 years since trying to figure it all out but no opportunity has arose. No proof of any debts been received. Credit has been dinged too many times unaurthorized and unlawfully
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Called several months ago about the chain of custody of my loan documents and proof that I am paying the organization with legal right to my debt. I was told they would send me documentation proving that they owned the debt but I have not received this documentation.
Company Response:
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: A collection agency named Transworld Systems reported a {$1100.00} collection account on my credit report. Prior to this account appearing on my credit profile, I never received a notice of my right to dispute. Additionally, I have attempted to contact Transworld Systems countless times by phone and fax to find out more about this supposed debt, what it is, and see if I can resolve it. They never answer the phone, nor respond to my faxes or e-mails. I've even tried to go to the address they list as a business address on my credit report, but no one is ever there. I believe this is a mistake, and was placed on my report in error.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I checked my credit and found that this company had me in collections. I contacted the company and they told me they sent a letter to collect the debt and XXXX XXXX did also. I didnt receive the letter or I would have taken care of it. I offered to pay in full over the phone as long as they took it off my credit but they refused.
Company Response:
State: WV
Zip: 259XX
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was made aware of debt through a unlawful reporting and collections attempt by TRANSWORLD SYSTEMS that claims to be collecting a debt for or on behalf of a utility company called XXXX XXXX. A company I never had any dealing with, my utility company at all time has been XXXX XXXX a company that services the XXXX area where I live, XXXX XXXX on the other hand does not even service my area. I have asked this company to submit information along with documentation to substantiate the validity of the account, documents such as a service agreement with a copy of the identification necessary to establish an account, evidence that I have lived in that address or information about the service address which seems to be within the XXXX New York area, a service area at least four hours away from my place of residence. This company was not even able to provide me with billing statements about the service used which amounts to at least {$2200.00}, an amount over due unheard of for a residential customer. Moreover, I had asked for information on the reasons surrounding the longevity of this account and circumstances on how it was allowed to be on for so long and accumulate such a high balance with no disconnection notice. Finally Transworld claim to be a successor to XXXX XXXX in a nefarious attempt to shelter the utilities company to submit itself to a legitimate and rightful requests from myself to show me proof that it was a legitimate account established by myself or that I was the responsible person liable for the bills. I am hereby dispute the entire amount allegedly owed and demand that both XXXX XXXX and TSI, Transworld Systems cooperates in providing the information requested.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2019-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been receiving numerous spoofed callerID / robocalls from Trans World Systems. They claim I owe a debt but refuse to even verify my name ( which I will not give them ). They say I have to give my personal information, which I will not do over the phone. Without telling me a name or any information on the " debt '', how can I even verify they are calling the right person 's phone? They also refuse to send anything in writing. All they do is call 2 or 3 times every day and when I block one number, they just switch to another spoofed number. This is harassment, and robocalls and spoofed callerID are illegal. I highly doubt I owe any debt at all ( credit score over 800, always pay my bills ). But if I do, then simply send me proof in writing! Calling and harassing me with a fake phone number and then asking me to give personal information over the phone, info which they should have if I owe a debt, doesn't make me feel like this is legit. I'd like these fake, spoofed phone calls to stop immediately. If they feel I do actually owe a debt, send me a bill with specific information such as the source and an account number. Here is just a portion of the calls I've received over the last few months : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Restricted # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( These same numbers continue all the way back to before XX/XX/XXXX XXXX
Company Response:
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX I visited XXXX XXXX XXXX in XXXX, MO which required a XXXX XXXX. The XXXX XXXX was read by a separate entity -- XXXX XXXX XXXX XXXX XXXX, also in XXXX. I received two bills from XXXX XXXX XXXX ( for this and a separate XXXX XXXX visit ) and paid both in full. I was recently informed by a credit monitoring service that I had an account in collections from XXXX XXXX XXXX ( an entity that to my knowledge I never received services from ) on XX/XX/XXXX which was opened on XX/XX/XXXX for {$280.00}. Upon investigation ( calls to XXXX XXXX XXXX billing number ) I was informed they had attempted to send bills to my address which were returned for an inaccurate address. When I asked about the address they had, they acknowledged they had no apartment number listed and had done nothing to attempt to verify the accuracy of the address while also acknowledging that sometimes address are 'not supplied correctly ' by those they contract for. The phone number they had listed for myself was accurate and they acknowledged they never attempted to contact me via phone to ask for a correct address or inform me that I owed them money ( or even had a relationship with them ). In summary, my excellent credit score has been significantly impacted through no fault of my own due to incompetence and/or negligence by XXXX XXXX XXXX who had six months to attempt to contact me to inform me of the bill and did not. Instead they referred my account to a collection agency whom I contacted within minutes of being informed of the amount owed.
Company Response:
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2019-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A