Date Received: 2019-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, a charge appeared on our XXXX Credit card from " XXXX '' ( see the attached document # 1 ). I asked those with access to this card in our family if they had used any such service from XXXX XXXX, and they said no. I immediately called XXXX to tell them this is an unauthorized charge. They posted a conditional credit to our card for this charge. I explained to them that nobody in our family had lost their physical card, but that someone must have gotten hold of the card #. XXXX then closed the account, and opened a new card. Meanwhile, XXXX mailed a huge amount of documentation to me. By looking at these documents ( see attached 'huge documentation ' document ), we saw clearly that this is a completely fraudulent use of our credit card by someone out there. The charge was incurred down in XXXX, Texas, apparently ( and supposedly ) between two supposed 'law offices '? XXXX XXXX then turned the charge over to their collection agency, Transworld Systems , Inc. " tsi '' The XXXX XXXX documentation shows a name of " XXXX XXXX '' as the one who paid for their delivery services. We have no such person in our house, and no such authorized user of our card. Transworld sent a letter to " XXXX XXXX '' at our address in XX/XX/XXXX demanding payment on behalf of XXXX. I immediately wrote them a response, stating that we completely reuse this charge ; we are not responsible. No such authorized user of our credit card made that charge ; we have done no business in XXXX, TX ; we have no shipping " account '' with XXXX ( as the XXXX documentation shows ) ; no member of our family or authorized card holder lives anywhere near XXXX ; we did not order anything sent from one 'law ' office to another in XXXX ; and there is no such person here named " XXXX XXXX ''. On XX/XX/XXXX, Transworld sent " XXXX XXXX '' a second letter at our address ( see document # 3 ) this time saying, " Thank you for your inquiry '', and your " request for validation ''. But our previous XX/XX/XXXX letter had neither been an 'inquiry ' nor a 'request for validation ' ; it was a firm rejection of all their claims that we are responsible for this charge. On XX/XX/XXXX, Transworld sent a third letter to " XXXX XXXX '' at our address ( see document # 4 ) saying they had not heard back from us. I am sending them another letter today ( XX/XX/XXXX ) again, denying any and all responsibility for this charge and explaining why we are not responsible for ( see document # 5 ). Whoever made this fraudulent charge did so only with the card # ( not with the physical card ), as we made certain that no authorized user of our card had lost or misplaced his physical card. Thank you! XXXX XXXX ( primary XXXX card holder )
Company Response:
State: KS
Zip: 665XX
Submitted Via: Web
Date Sent: 2019-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I moved out of the house located at XXXX XXXX XXXX XXXX NY XX/XX/2010 and someone was using my name there for XXXX XXXX account. I spoke with XXXX and they told me if I provided proof they would remove the account. I mailed them the lease of my new address and this account was never removed and its affecting my credit
Company Response:
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I received a phone call today from Transworld Systems Inc. Upon answering the phone, the representative identified themselves by their name only, not who they were with, and asked to speak with my husband. When I stated that he was unavailable and that I was his wife, and how could I help them. They verified that I said I was his wife and then proceed to tell me that they were a debt collector and that they were calling to collect a debt and that the call may be recorded. They proceeded to tell me the amount of the debt and who the debt was owed to. I then asked to speak with a supervisor. I explained to the supervisor what had happened and that I was not listed on that debt. I questioned how they had gotten my phone number since I had no part of that. The supervisor, XXXX XXXX, stated that they were trying to collect a debt and that it was not a violation to disclose that information to me. Mr XXXX said that he was looking at the Alabama State Law and that he was permitted to release that information to residents of Alabama. I informed him that we lived in Florida and he said that was the case also. When I mentioned the FDCPA, he stated that it was within their guidelines also. Upon completing the call, I reviewed the guidelines, and my review indicates that it is a direct violation of the law for them to disclose the information concerning the debt to me since I am not listed on the debt. I then called back and spoke to Mr XXXX ' supervisor, XXXX XXXX. After explaining the situation to Mr XXXX, he also insisted that they were within their rights to disclose this information to me. I informed Mr XXXX that this debt was being disputed, and we had never received a bill prior to the one that we received from them. I am very concerned about this situation. I do not know how they obtained my phone number since, again, I am not listed as a responsible party for this debt. The methods that they used to obtain my number could have also obtained other numbers, such as his ex wife, and his personal, private information could have been disclosed to them. My husband will be submitting a complaint also on his behalf.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Transworld a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Note : The selections for my type of complaint were not exactly what has occurred so I chose the closest. I am trying to pay off debt but can not get Transworld Systems Inc ( TSI ) to send me a current statement. TSI is the debt collector for XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any statements from TSI since XX/XX/XXXX. I received a letter from the US Department of the Treasury ( dtd XX/XX/XXXX ) indicating my tax refund ( {$420.00} ) was applied to my debt. I contacted TSI ( XXXX ) XXXX by phone 4 times in XX/XX/XXXX : 1 ) XX/XX/XXXX/XX/XX/XXXX - I did not document date and person I spoke. I requested a statement be sent to me. I believed they would send me a statement so I could payoff the debt. A statement was not sent to me. 2 ) XX/XX/XXXX, XXXX XXXX PST. Spoke with XXXX. I told XXXX that I had previously called requesting a statement be sent to me. She was able to see in their system that I had previously called. She indicated that statements had been sent to me and she didn't know why I had not received them. She said another statement would be sent to me. A statement was not sent to me. 3 ) XX/XX/XXXX XXXX XXXX PST. Spoke with XXXX. I explained to XXXX that I had called two times before requesting a statement be sent to me. XXXX indicated that a form had to be submitted by customer service rep and that the prior reps had not submitted the form. XXXX said he would submit the form so a statement could be sent to me. A statement was not sent to me. 4 ) XX/XX/XXXX. Spoke to XXXX. I explained to XXXX that I have called 3 times before requesting a statement and that I have not received one. I requested to speak with a supervisor but XXXX said a supervisor was not available. XXXX indicated that statements have been sent to me but asked if I had opened all the mail I receive because their statement look like junk mail. I asked if there was a way they could email me a statement or if there is a way that I can pay online and was told no. XXXX promised I would have a statement within 2 weeks. A statement was not sent to me. I still have not received a statement. I don't understand why TSI will not send me a statement. It seems as if they want interest and penalties to accumulate and then just take additional money from my tax refund. My intent is to resolve this debt as soon as they send me a statement.
Company Response:
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2019-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was taken to court by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) for owing money on past due student loans. I have reached out to their legal representatives " XXXX, XXXX XXXX XXXX, XXXX. '' many times over several months to obtain proof of ownership of the loans. The law group has told me many times they have sent XXXX these request but I still have not received documentation necessary to prove they have ownership of the loans they are suing me for. PS - XXXX also does not list their contact information publicly and XXXX, XXXX XXXX XXXX, XXXX. will not provide it to me.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Seven medical bills that were in collection was paid in full over a year ago. These items still show on my credit report with major deficiencies to my credit rating hence I am unable to refinance my family home. Thank you
Company Response:
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2019-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-18
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: After Graduation from University of XXXX in XX/XX/2007, I received a phone call late at night and was advised they were holders of my Student and Private Loans and need to consolidate. ( I do not recall who the company was that said they were the holders of my loan ) They Gave me 2 options for payments, which I didn't really understand what was going on. XXXX and XXXX then started sending me statements and I have since always made a payment of the total payment, if I couldn't pay the amount I have always sent {$100.00} or more to keep in good standings. I have recently found ourselves over extended and other financial occurrences in our life have taken a toll on our finances, in which I am trying to resolve. XXXX options of assistance after forbearance is not something I can financially satisfy at this time. I have continued to send $ 100- $ 200 month. However they have placed my loans in default and now I am being contacted by XXXX XXXX XXXX who tell me they are the collectors for XXXX XXXX XXXX XXXX XXXX XXXX. They too are unwilling to work with me on my payments or accept a minimal monthly payment. I have to pay at least {$2800.00} to get me out of default and then {$880.00} mo. If I could pay that I wouldn't be in this situation. My other options is to pay {$5000.00} down and $ XXXXmo for 60 months and then deal with increase of payment at the end of 60 months. They have denied me origination paperwork of loans being sold to them or my signature of agreement. This company is ridiculous and hounding and no assistance with working with their customers. I had {$100000.00} in loans for my education in XX/XX/2007, I currently have around {$60000.00}. They are threatening me, because it has been 30 days since they have been in contact with me that they are going to garnish my wages.
Company Response:
State: WI
Zip: 54729
Submitted Via: Web
Date Sent: 2019-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2018 I received a collections letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX in reference to an account ( # XXXX ) being collected for XXXX XXXX. It indicated an amount due of {$4700.00}. I have never done business with XXXX XXXX nor have I ever opened any accounts with this company and I have never requested any credit from this company. I sent a certified letter to Transworld Systems Inc. letting them know that I dispute the debt, and I have not heard anything from them since. They ( Transworld Systems Inc. ) also did a hard inquiry on my credit report on XX/XX/2018, and I am not certain how they or XXXX XXXX would have my ss # as I have never done any business this company, opened any accounts with this company or requested any credit from this company.
Company Response:
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2019-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A