Date Received: 2018-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received 2 notices from Transworld Systems Inc. for debt collection in behalf of XXXX XXXX XXXX in the amount of {$270.00}. I have never done any business with XXXX XXXX XXXX, nor have I ever received a bill from them. I have written TSI that this debt is not mine, but they continue to send notices. I would like them to cease and desist.
Company Response:
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-30
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was not aware of this student loan company I only had loans with the department of education and XXXX and XXXX and have never heard from this company in XX/XX/XXXX my uncle said the sheriff delivered a letter to parents old home in XXXX ga I went to court and the judge told the the attorney that was representing this XXXX XXXX XXXX XXXX that they needed to provide proof of how they got my loan and how did they try to contact me before entering into judgement. They never did that in XX/XX/XXXX they filed papers again in XXXX county I went to court with them explained to the judge and he basically told them the same thing. It was a different attorney from the same firm and he was rude the attorney is XXXX and XXXX. They garnished my wages in XX/XX/XXXX while I working for XXXX XXXX as well and they have never produced any documents. On Friday the XXXX of XXXX I received a letter that they are garnishing my wages and they have never provided proof on how they acquired my loan. I was still in college until XX/XX/XXXX so I have never been giving a chance on any if I owe this people. They are stating I owe XXXX and the totally is XXXX I do not have any loans for that amount. I do not know what else to do I have file claims before with the CFPB on this company and nothing has been done, but I see a lawsuit is out on this company I am seeking assistance to get this garnishment stopped and my money returned to me.
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I submitted a debt verification letter to TSI in response to their collections credit reporting of private student loans owned by XXXX. This letter asked for full verification of debt including but not limited to documents showing chain of custody and TSI 's right to collect on the debt. TSI replied back with a packet postmarked XX/XX/XXXX with information showing a loan/request credit agreement -signature page, note disclosure statement and loan payment history for loans taken out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. TSI provided no information showing they had the legal right to collect on the debt by providing chain of custody paperwork showing transfer of custody from the original creditor XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) to XXXX XXXX XXXX, and from XXXX to XXXX XXXX XXXX. The CFPB settlement with TSI specifically states that TSI " Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. ''
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2018-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I recived a debit warning from Transworld Systens informing I own a debit to XXXX XXXX XXXX XXXX - Second, amont US {$1700.00}. I never rented a car in this company, they spell my last nome wrong. There wans't another informations as a invoice, date, or anyelse infomation that could make this debit real. I saw a lot of reviews about this colector company send fake bills. I'm not a american resident, I'm a tourist who come twice a year to spend vacations. The attempt to collect a debit was mail to my vacation home. I'm attached the attempt collect debit. I dont know what to do. I apreciate some instrution about what to do. Regards XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A derogatory report is shown on my report. I filed a dispute through XXXX and received notice of investigation 's results. Transworld System Inc. verified this account as mine and that result is completely false. Transworld represents XXXX rent a car which asserts I opened an account on XX/XX/2016 and owe {$510.00}
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2018-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I receive frequent calls to my recently established phone ( i.e. it is a new phone number for me ) from TSI/Transworld Systems Inc. ( www.tsico.com ). The calls are an " attempt to collect a debt '' and I have verified that I do not have the debt they are trying to collect, and I have previously requested to have TSI correct their records and remove my phone number ( XXXX ) to stop the unwanted/erroneous robo calls.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2018-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I called TSI again today and they claim that CFPB never sent them any information regarding my account. However, I have included documents.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2018-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-26
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Received paperwork that stated I have been summoned to court due to not paying a student loan opened in 2004. I do not recall every taking out a loan for this. I've never received anything in the mail requesting payment. I've checked my credit report, and it's not on there.
Company Response:
State: IL
Zip: 61704
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: TRANSWORLD SYSTEMS INC Contacted me XXXX XXXX on or about XX/XX/XXXX at XXXX CST asking for a XXXX I just got this new number from XXXX XXXX and it is registered with the state of Missouri and National " DO NOT CALL LIST '' however Transworld has my information and they still contacted me with no merit or reason even apologizing for calling me as my name XXXX was not in there system. The Rep advised me they are looking for a XXXX that owes them money which is a clear violation of " FDCPA '' with regard ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Per my new Carrier XXXX XXXX I may have got a recycled number however I have advised TransWorld Systems Inc I don't know any XXXX and they said it will take them several days for my number to be taken out of there system and I may still receive phone calls. XXXX
Company Response:
State: MO
Zip: 64804
Submitted Via: Web
Date Sent: 2018-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A