Date Received: 2018-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The original creditor for this debt is XXXX XXXX XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that Transworld ( TSI ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because XXXX XXXX XXXX ( XXXX ) was handling this account. I spoke with XXXX and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when TSI is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that TSI is reporting {$390.00} on XXXX XX/XX/XXXX. My initial conversation started with XXXX on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that TSI have been contacted with my concern and they were waiting to hear their response. I have scanned them what TSI is reporting and they said they will contact TSI again with this information. I am exhausted dealing with this debt that has been taken care of. If TSI is reporting this account then why is XXXX involved which is a collections company as well. I would like this removed from my credit report. Thank you in advanced!
Company Response:
State: NC
Zip: 28590
Submitted Via: Web
Date Sent: 2018-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2018, I submitted a payment to XXXX in the amount of {$3500.00}, which was the full amount of the student loan. Payments were not yet due, but I wished to pay off the loan early. On XX/XX/2018, we got a notification stating that our account had been overdrawn and now had a negative balance. We saw that XXXX had charged us the full amount of the loan, {$3500.00}, twice! That same day, we filed a claim dispute with our bank, XXXX, in order to recoup the funds that had been erroneously removed from our bank. We also contacted XXXX who stated they would refund us {$3500.00}. On XX/XX/XXXX, XXXX refunded us {$3500.00}. On XX/XX/2018, we received a notice that our original payment had been returned and XXXX had charged us a {$25.00} returned check fee. Apparently, XXXX denied the other {$3500.00} payment that we HAD authorized, perhaps because it was not clear which one was authorized and which was not. On that same day, XX/XX/2018, we removed our bank account information from XXXX as it was clear our money was not being managed responsibly. I called XXXX and they agreed to remove the {$25.00} fee as it was not our fault they had charged us twice. On XX/XX/2018, we saw that our account with XXXX had been reset to show that we again owed {$3500.00}. We called XXXX and informed them that we did not see a second refund of {$3500.00}. We called XXXX and confirmed no second refund had been deposited in our account. XXXX said they would forward our concern along with bank account screenshots to their account specialists. We watched our account for a few days to see if the funds would eventually post to our account, and they never did. We called again and sent an email complaint on XX/XX/2018. Today is XX/XX/2018, and we still have not been refunded the other {$3500.00} that XXXX claims they refunded us, and our loan account balance remains at {$3500.00}. I have contacted XXXX at least ten times, and spoken with supervisors, who continuously say they forwarded my concern to account specialists and have not received any response. Supervisors have told me multiple times that they will follow up with me, and have not kept their word. In summary, our money has been irresponsibly handled by XXXX and they have failed at communicating with us in a timely manner. Although they refunded us one payment of {$3500.00}, they claimed they refunded both, but we never received the second refund. The fact that the " account specialists '' have not responded to us after we submitted the complaint on XX/XX/XXXX is unacceptable and evidence of their blatant disregard for their consumers. We put our trust in XXXX to responsibly handle our funds, and they have shown they are incapable of doing so. We would greatly appreciate help in eliciting a response from XXXX and receiving the {$3500.00} that they claimed they refunded us. This way, we can again try to pay off our loan, hopefully without the stress and anxiety that we experienced the first time.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2018-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please be advised I XXXX XXXX am demanding an immediate removal of this erroneous debt before I suffer future harm to my credit file. This letter is a demand for validation pursuant to the Michigan Consumer Protection ACT and the FDCPA, made on XXXX XXXX behalf. Your failure to respond may trigger an action for damages brought by an individual consumer against TRANSWORLD SYSTEMS INC for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulate what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information.
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a signed contract nor any contract with TransWorld Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with TransWorld Systems. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had a judgement against me of XXXX dollars in XX/XX/XXXX, St. of N.J. that was paid.I have requested info from transworld systems via telephone on XXXX around noon with agent named XXXX.I requested : a copy of the original judgement, payment terms, proof of payment records, and payment history. XXXX said it would take around a month to gather this info and forward too me.Today is XXXX and I have not received any info.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been called repeatedly for months by TransWorld Systems claiming to be attempting collections on a debt that I owe. However, I do not have any outstanding debt and after having spoken with several of their agents, this fact has been confirmed. Each time they have confirmed that I owe them nothing, they have promised to remove me from their call list, but this has not happened and I continue to receive endless automated calls regarding this matter.
Company Response:
State: NC
Zip: 27612
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX XXXX issued a collection action with transworld systems inc XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX dollars as part of our divorce agreement - however - after numerous contacts with XXXX - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - XXXX needs to remove this account from my report - in addition - XXXX does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to XXXX and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage
Company Response:
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Original letter from XXXX XXXX XXXX , XXXX. Alleged date of violation : XX/XX/18 Alleged balance due : {$160.00} Letter from Transworld Systems , Inc. ( " Company '' ) : XX/XX/18 Company has taken on debts from the City of XXXX XXXX as a loophole to circumnavigate Louisiana State Law in collecting Red Light Camera civil fines. As part of an ongoing class action lawsuit, I wish not to be contacted or harassed by a company which is not affiliated with the City of XXXX XXXX or XXXX XXXX XXXX Parish for collection of a debt that is currently in litigation. Future letters or calls with consequences of reporting to a credit bureau will result in further complaints to CFPB and/or included as part of the above litigation.
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I disputed the debt in writing with the company once it appeared on my credit report. I previously had not heard anything about the bill. I found when they send me a copy, that the hospital failed to bill my insurance and also had incorrect address information in their system. The hospital has since admitted fault and has written off their portion. TSI has closed the account based on my communication, but it still remains on my credit report, which is effecting my credit score by more than 100 points.
Company Response:
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2018-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: For about 6 weeks, we've been getting repeated robocalls from TransWorld Systems , Inc. saying we have an outstanding debt. We 100 % do not. This is absolutely a scam. The call is recorded and tells us to call another number, but we're not going to do that because we are 100 % certain we do not owe any money. I've tried to block some of the calls with my carrier, but they continue to pop up under different telephone numbers ( also a sign of a scam ), including : XXXX XXXX XXXX If we owed money we would have gotten notification in the mail. None has come. And a quick search online shows this company is especially egregious. Indeed, it looks like CFPB has tried to reign them in in the past, but clearly it hasn't worked : XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A