Date Received: 2018-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX, is collection agency. I owed a balance of {$1800.00} to XXXX XXXX. The balance was full paid XX/XX/XXXX. They reported this account again, XX/XX/XXXX. I have made multiple requests to for account to be deleted from my credit reports. This is having a negative effect on my credit rating.
Company Response:
State: NY
Zip: 14225
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Hello, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have not had XXXX, XXXX insurance since over a year, and a half. I am XXXX on XXXX after losing my career, losing my life with a fire in the home. I called the only doctor I knew XXXX XXXX for my XXXX, and they said on the recorded line I did not come this day ; there are no fees. All others have had there time to file with past insurance before, but all ways paid, once I switched insurance I had bills claiming money. This is unfair. I need to work move on. 13 young men are in jail now. I can not afford the insurance I use to have, and have another. I reported to the state with incident, case numbers as well. This is fraud and remove pls. My credit is great. This is fraud. Trans world Systems In XXXX. XXXX XXXX XXXX, DE XXXX {$33.00}
Company Response:
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Filed a complaint about the tactics used with XXXX and XXXX XXXX XXXX XXXX ( XXXX ) and Transworld Systems Inc ( TSI ). XXXX issued paperwork regarding a debt collection to the wrong address with no attempt to certify reciept. XXXX also did not address their connection to TSI. Paperwork from XXXX shows debt transferred to TSI. Paperwork dated XX/XX/XXXX " your debt was certified to the Treasury Offset Program and transferred to our third party collection agency TSI. '' also " If you have any questions or concerns about the account, please contact TSI at XXXX. When contacting TSI, they stated " they do not own the account and can not provide you a statement or history on the account, please direct your questions to XXXX ''. XXXX mailed a letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX ; this address was not valid as I had been in XXXX for a year. No attempt to call or contact was made past this letter. When I was finally contacted via telephone on XX/XX/XXXX, they refused to attempt a repayment and required me to go through TSI. XXXX/TSI violated 15 USC 1692J for furnishing deceptive forms as to who held the debt/account. Debt has been payed completely through TSI. When asked for a finalized statement, TSI, again, could not provide. When contacting XXXX, they could also not provide. The representative did say the account had been closed since the default date.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: XXXX XXXX XXXX sure me for a loan made to XXXX XXXX in XX/XX/XXXX. Never paid because of hardship. They sued me ins XX/XX/XXXX and never received paperwork about the validity of debt. I owe XXXX to fed gov aatudent loans and XXXX for the private. I cant afford it at all. I also have a XXXX XXXX and pre XXXX and not sure how much longer i can afford anything
Company Response:
State: IN
Zip: 46237
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a notification by mail from collection regarding toll fees that need to be paid for that amounted to {$210.00} in total. Ive already paid the fee on XX/XX/2018, this is about 2 months ago now, and have a confirmation email and a reference number to prove my statement. Ive contacted FTC to speak about the issue and the representative I spoke to told me to file a complaint. As you can see from the picture sent, its the same amount and violation number.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I discovered on XX/XX/XXXX that TransWorldSystems, Inc. had placed two negative reports on my credit report stating that they had charged off debt. I believe that I settled both amounts with them in XXXX, XXXX. The supervisor I spoke with " refused to remove the items from the my credit report '' even though I requested evidence that they had sent correspondence to me and also when I stated that I believed the debt had been settled with their agency. I have a credit card statement which shows payments to TransWorldSystems, Inc. from that time. That statement, with the payments circled, is attached.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debt is for my grand daughter XXXX which was in the hospital due to a medical issue and should be reflected on my sons credit report. I am XXXX XXXX XXXX XXXX and he is XXXX XXXX not mine. I talked to the collection agency and was told the debt is mine. I disputed it with the credit agencies and was told it was a valid debt on my report. the only identical thing here is my son has my name, making him a junior, not a senior.
Company Response:
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX is currently reporting me to XXXX credit services as Failure to Pay. there are two problems here. 1. the same account appears twice on my XXXX report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. XX/XX/2018 contacted XXXX was told there was nothing they can do, directed me to call XXXX. Called XXXX put in a dispute saying the debt is a duplicate account. XX/XX/2018 Notified by XXXX that XXXX validated both accounts. Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call XXXX back to dispute again. Called XXXX back they said no they cant dispute again without me having some additional information. called XXXX back, they said they will try to fix it but can promise anything.
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX, XXXX VA have claimed for medical services but they provided lab services and sent bill to wrong insurance company which is the parent company of XXXX XXXX XXXX XXXX XXXX. The insurance company paid lab portion of the bill but not medical services. I have asked the XXXX rep about it. They told me to provide my Insurance ID and Copy of my Driver license once again and they will correct it and I did. Two bills one for me and for my wife {$89.00} each for medical service but we both went to get the lab work done which is covered by our insurance. Our primary doctor covers all medical services and our insurance pays 100 %. XXXX XXXX told us they participate with our insurance and the bill will be covered. XXXX XXXX XXXX never called or send us the final bill showing if insurance didn't pay after their submittal or what portion of the bill is paid by insurance. Instead they have sent it to collection agency. This is totally unexpected behavior from a reputable company like XXXX. If we owe or didn't call them than they could take action as needed. They ignored to inform us or made any attempt after my submittal of requested documents.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had unpaid medical bills for my sons that were sent to my ex husbands address for over a year. I never received a bill. When I noticed there was a derogatory remark on my credit report from trans world, I immediately phoned them and they said it was an unpaid medical bill I then called the medical faculty and they said the balance after insurance was unpaid so they sent it to XXXX XXXXXXXX XXXX. I paid it immediately and transeorld promised to remove it from the credit report within 30 days. That never happened. Ive notified them several times and they refuse to do anything about it
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A