Date Received: 2018-05-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received a collection notice from Transworld Systems Inc. in regards to a final utility bill that was never received from XXXX XXXX. When I cancelled service with XXXX XXXX, I was told they would use my deposit for my final payment. Apparently the deposit did not cover the full balance remaining. I initially disputed Transworld for validation of the debt to which they sent the final utility bill from XXXX XXXX. Upon receipt of Transworld Systems response, I contacted XXXX XXXX and talked with their customer service representative on a recorded line. I explained that I had never received the final bill at my new address and wanted to pay it with a guarantee that XXXX XXXX would remove the account from Transworld Systems Inc. and also from reporting on my credit file. The customer service representative put me on hold, spoke to a supervisor, came back on the recorded line and assured me that if I paid the account in full XXXX XXXX would recall the debt from Transworld Systems and have the item removed from my credit report. It is now nearly a year later and the tradeline is still being reported as a collection by Transworld Systems Inc. on my XXXX credit file. As I stated, the call with the XXXX XXXX rep was on a recorded line and I was guaranteed the removal of this item since I never received a final bill.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have tried on two previous occasions to dispute this account through XXXX but they keep verifying it. I have never heard of this company before it showed up on my report. I have received no phone calls and no mail from them. I have not been given the opportunity to ask them to verify the debt and, while XXXX says they've verified it, no details are given to me about how. Simply, it's not my account and this company has made no effort to prove it is. In addition, this company has reported to XXXX that they turned THIS account over to collections. So instead of showing as a collection account, it shows as an account I opened ( I didn't ) and shows that they've turned it over to collections. They are also REPORTING MONTHLY THAT THE ACCOUNT IS DELINQUENT. As in, they are reporting a missed payment every month.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/XXXX, I received a call from phone number ( XXXX ) XXXX, and spoke with an individual who stated that they were calling from a collections agency, Transworld Systems Incorporated, in regards to a XXXX account. However, the caller insisted that he could not tell me any further information unless I provided him with my address or social security number. After refusing to provide such information, the call ended. Later that day, I called XXXX directly, and they stated that I allegedly owed their company money but that, because the account was in collections, I was only able to communicate with the collections agency directly regarding the alleged debt. On XX/XX/XXXX, I called back the same number, ( XXXX ) XXXX. Again, I was told that I was speaking with a collections company and that if I wanted any further information, I needed to provide them with my address or social security number. Against my better judgment, I provided them with my social security number. At that point, I was then told that I was speaking with XXXX XXXX from Transworld regarding account number XXXX. XXXX XXXX stated that I owed XXXX approximately {$400.00} and he was calling to collect said money. I insisted that I was not aware of such a debt and requested that he provide me with documentation of said debt. XXXX XXXX stated that the only information he had was the name of the company to whom the money was allegedly owed, the dollar amount, and the service period. However, he was unable to provide me with any documents that corroborated the debt. He stated that I should call him back on XX/XX/XXXX, so he could retrieve documents from XXXX. On XX/XX/XXXX, I again called Transworld and spoke with XXXX XXXX. He repeated that his company could not provide me with any documents regarding the debt and, interestingly, that his company was no longer willing to accept money from me because they could neither confirm nor deny that I owed XXXX money. He again stated that the only information that Transworld had was the name of the company to whom the money was allegedly owed, the dollar amount, and the service period. I recorded this phone call. On XX/XX/XXXX, I received a call from Transworld stating that they no longer had my account from XXXX and would seize their collections efforts. I never received any documents of any kind from Transworld regarding the alleged debt.
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX of this year, TSI sent some paper work to the company that i work for and told them that i owe XXXX money from XX/XX/XXXX. The company that i work for contacted me and gave me there number. i talk to someone at TSi and was able to stop the garnishment. This is the second time that they have done this within two years to me. Nothing have shown up on credit report in ten years since I've been out the XXXX. I don't know how to prove it been payed for since the debt is so old. This company have been calling me leaving messages on my phone.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Transworld has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am receiving a Debt collection notice, when my employer was suppose to cover my medical visit under workers compensation. They have yet to pay it and I keep getting harassed about it, when I have explained to the company multiple times it was under workers compensation and they said they would contact them to have it taken care of. The business is XXXX XXXX in XXXX, Pennsylvania.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I had to go to a walk in clinic, XXXX XXXX XXXX XXXX, XXXX, in XXXX XXXX, TN on XX/XX/XXXX. At that time I was told by the clinic that all I had to pay at that time was {$25.00} and that they would send me an invoice for whatever the insurance didn't pay. Once we received the invoice, my wife called to set up payments of {$25.00} per month since our income is limited. My income has decreased by {$5000.00} over the past two years and my wife 's on XXXX. They would not work with her and demanded we pay in full. When my wife asked to speak to a supervisor she was put on hold for 20 minutes and then they hung up. She tried calling back but they wouldn't answer. My wife also tried calling their national office but they refused to work out a payment plan as well. They sent us to a collection agency and when I logged in and set up an account, I saw the amount is the same as on the printed statement. I tried to go ahead and pay on a credit card but it would not let me. The total we owe is {$110.00}. I went through the steps to pay this and when we got to the end it said I had typed in the wrong amount. They won't even let us pay in full and I fear that it will show up as old debt on our credit history. It has taken a long time for my wife and I to recover from a bankruptcy in XX/XX/XXXX and I don't want this hurting our credit when they refuse to take payment, even in full.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: These accounts from " Transworld Systems '' showed up on my credit report in XX/XX/XXXX as delinquent although I was never contacted by them in any way. Initially, I thought identity was stolen, but apparently this is an attempt to collect on loans from XX/XX/XXXX that I thought were forgiven due to the fact that I am permanently XXXX and on Social Security XXXX due to severe XXXX XXXX & XXXX. I don't understand why Transworld Systems is now, out of nowhere, reporting that I am delinquent on this debt. Moreover, the information they are giving the credit agencies is very misleading because it is showing that the account was opened XX/XX/XXXX. I never opened an account with them, and for them to report this as late without ever notifying me that I owed anything is very unfair. I've called numerous times but the line is ALWAYS busy. I'm not sure, but this seems like a scam.
Company Response:
State: PA
Zip: 15241
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was out of state XX/XX/XXXX-XX/XX/XXXX, just returned on XX/XX/XXXX and noticed debt collection notice from debt collector TRANSWORLD SYSTEMS INC that I owe {$55.00} to Creditor XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX. Debt collector claims on notice that " they have not received a response from me regarding my past due account. Previous attempts by our office requesting that my account be resolved have been unsuccessful. '' I have concerns on this notice. a. I have received no email/phone/mail communication either from XXXX or from Debt collector, so this is statement is FALSE that they could not get any response from me. I called XXXX but they kind of bypass my this question, when I asked for proof that they ever contacted me. b. Notice is incomplete. It just has an invoice number and thats all. It does not have any proof of attachment for additional details or invoice copy. c. Debt collector does not have complete info on what this debt is and claiming that I left something with XXXX in month of XX/XX/XXXX I don't recall of using XXXX in month of XX/XX/XXXX. I used XXXX in month of XX/XX/XXXXto ship my passports for XXXX consulate. Debt collector has no further information on it. I asked for copy of invoice that they are going to send over within 30 days ( hopefully soon ). Once I receive I will be able to understand what this amount is for? I don't recall. d. I called XXXX today at XXXX PST at XXXX and asked for further details. They claim that I mail something to myself in month of XX/XX/XXXX. I am sender and receiver of package both. This makes no sense to me. I don't use XXXX at all unless it is for documents sending to someone else. Why would I do that. XXXX has opened XXXX claim : XXXX today and hope to receive their reply in 1-2 business days. I am extremely upset by approach that XXXX used and/or their debt collector used and falsely claimed. Notice came off as threat to me demanding debt $ amount for which debt collector has no supporting claims/documents/calls/emails/mail proofs and is incomplete and falsely claimed that I was contacted. I am so on top of my payments always and check my mails twice a week to make sure I not miss any payments/dues etc. This is surprising, frustrating, adds anxiety, stress, disrupts people 's lives, not ethical and above all not correct way of doing business.
Company Response:
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I lived and went to school in Washington, DC from XX/XX/XXXX-XX/XX/XXXX. When I decided to leave DC I disconnected my XXXX ( XXXX ) account and paid off and verified the account was closed in person. I was made aware that account was closed and that I owed no money. That was over 5 years ago in XXXX ( closed the account ) and XXXX ( paid the last months balance ). I recently, mid-late XXXX, received notification from XXXX XXXX that I have a collection on my XXXX credit report, and my credit dropped in the 600s. It showed that it was XXXX and that the collection account was activated in XXXX XXXX, for a total of {$340.00}, an amount I never accumulated for an electric bill. I haven't received any notification from XXXX that I had a deliquent account or an outstanding balance in the past six years since closing the account, I also still haven't received anything from the collection agency, Transworld Systems, when the account was in collections with them. Fair debt collection practices states that they are to contact me within 30 days of the account opening. I've called and left messages with my address and phone number on numerous occasions : XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX. I wanted to get clarification as well as explain my experience and knowledge of the account. If necessary, to negotiate payment and work to get this removed completely from my account. I know for sure that I paid my balance and was told in person that the account was closed and resolved, so either the company continued an account without my knowledge and permission, or reopened it for that apartment again without my knowledge and permission. Representatives explained that the collection agency is located within the utility business, and while the XXXX representative would not give me details of the account she forwarded me to the collection department, which I continued to follow up with, to no avail over a month later.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A