Date Received: 2018-04-30
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware statutory trust filed a civil court summons and complaint against me. The amount is for {$24000.00} I went to court XX/XX/XXXX and their outsourced attorney did not have any documentation that i owed XXXX nor that they bought the debt from any other lender. He only had the application or loan agreement for a different lender, XXXX XXXX i believe, for {$15000.00} or less. The attorney suggested I call XXXX and try to negotiate directly with them and another court date was set for XX/XX/XXXX. XXXX has not responded to any if my attempts to reach them. I understand they have a history of bringing lawsuits illegally against consumers, please advise what i can do to see if I am one of those situations. Thank you
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2018 I received a letter from a debt collector called TRANSWORLD SYSTEMS INC.stating that i owed XXXX when I called a representative to find out what the bill was in regards to she stated that it was for apparently running 3 tolls that cost XXXX each. When asked why the bill was XXXX she stated it was for violation fees.I stated to the representative that this is the first letter that I have ever received otherwise the tolls would have been paid in full.
Company Response:
State: CT
Zip: 06708
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-29
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) contacted me on behalf of XXXX a private student loan. I asked for loan documentation amount, loan guarantor written correspondence address and current payment proof. This was due to the fact that my loan was moved to a collection agency while making payments as agreed an the amount agreed between XXXX and myself. I was denied information and told that XXXX was hired to collect he funds and my only option was to pay them. They had no information regarding my loans and failed to produce any legitimate information from XXXX. The payment options given were to get a second mortgage on my home, cash out my retirement account, defer other payments to pay them a lump sum, ask a family member or a friend for the lump sum, if I had friends. I was called a liar, yelled at and accused of not wanted to pay the debt, although XXXX produced no information from XXXX and the account numbers printed on the original documents were not any account numbers that I had. As a result, I asked XXXX to stop calling me because I did not agree with the yelling and constant phone calls but I was told that I couldn't tell them to stop calling and that they were going to do what they were hired to do and if I didn't pay them, they would garnish my wages and military pay. XX/XX/XXXX I blocked their number to stop the calls but still didn't receive any documentation in the mail to validate the debt. In retaliation to me blocking their number, XXXX XXXX called several public numbers for XXXX XXXX XXXX XXXX asking if I worked in the office. She posed as a worker from XXXX XXXX asking if XXXX XXXX had ordered a shower rod to be delivered to the base. As this was strange for me to do such a thing, my superiors called me and informed me that someone was calling around base asking for me, requesting numbers and email to contact me regarding my shower rod. When the person they spoke with refused to give them my information, they were asked to, tell me to call XXXX, XXXX. XX/XX/XXXX XXXX XXXX continued to call XXXX XXXX XXXX XXXX seeking information about me and I was informed that she called everyday, multiple times a day. Although, she was informed that I was not in the office and everyone refused to give out my personal information. When I arrived at the base later that month, I received all the messages and contacted the XXXX XXXX number and asked to speak to XXXX XXXX . I spoke to XXXX XXXX instead who denied my number being in their system and could not provide any information but did confirm that XXXX XXXX was an employee there but would not allow me to leave a message since she couldn't find anything on me in her system. A few days later XXXX XXXX at ext XXXX called my father at XXXX to locate me and or a payment. My father asked what was the bill in reference too and XXXX stated that I should know who I owe and needed to contact them before the end of the day. Due to the strange interaction, my father did not give out my information and asked her to mail out whatever, she needed to contact me about. However, once again nothing was mailed out regarding the debt. My father was then contacted by XXXX nearly every hour of the day for over 2 weeks Monday thru Saturday. He was told to cash in his retirement savings to pay off the loan and be at risk for other legal actions that would prevent him from having options later. As a result, he asked them to stop calling him and they refused, so he just stopped answering the phone. I called and tried to speak to XXXX XXXX once again but was told that anyone could help me if I wanted to make a payment and I was given their address if I wanted to request additional information on the debt but they were not sending out anything extra than the letters I have already received. I was information that the letters they mailed out had a mailing address for payments and that was all I needed to move forward with the collection.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern : XXXX XXXX has attempted to collect a debt from me that is not my responsibility. They have utilized 3 collections agencies over the past 4 years to harass me. I have disputed each attempt with evidence, and then the case is pawned off on another agency. I have attached a copy of my written dispute. In short, I was charged for electricity I did not use. I was living in another state at the time.
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2018-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Noticed a medical debt collection on my credit report last year. Created a dispute in XX/XX/XXXX at which time Transworld Systems Inc. came back to find that the debt was indeed owed and would remain on my account. I noticed a 2nd medical debt from the same doctors office pop up in XX/XX/XXXX at which time I contacted the office and went to retrieve documents to prove the debt was never sent to collections and indeed paid in full with a balance of {$0.00}. The first debt has been reporting on my credit report for 9 months + and the company refuses to take off all the derogatory marks. I do NOT want this updated to {$0.00} I want all the remarks removed. I haven NOT been in collections over this bill therefore it should be deleted completely from my credit profile. The 2nd debt was just reported on XX/XX/XXXX. SAME doctors office and the bill was paid on the same day as the previous bill. {$0.00} balance with the office yet I continue to receive nasty threatening letters, phone calls and reporting. Please HELP!!!! This company has NO business handling collections or accounts for anyone. They are trying to scam me into paying them almost $ 1K. I want all of this taken off my credit report. I have uploaded these documents to the credit bureaus but was told Transworld Systems Inc. does the investigation and provides the results to publish on credit reporting. They are SCAMMERS and clearly trying to take money and peoples credit abilities. This is unfair. I have to spend my time chasing companies to help me get this resolved when in fact I OWE NOTHING to the original creditor and Transworld Systems INC.
Company Response:
State: MO
Zip: 63367
Submitted Via: Web
Date Sent: 2018-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was in a car accident with an enterprise rental car late XX/XX/XXXX. I have a {$500.00} deductible. I was told I have until XX/XX/XXXX to pay it ( 90days ) from the accident. I paid it onXX/XX/XXXX at the east XXXX XXXX branch with their agent with my card that was on file. I have been getting mail saying my balance was forwarded to collections and getting constant calls. I called the east XXXX branch and they said I have to call claims so I did. They said east XXXX reported it to collections in XX/XX/XXXX since they did not have the funds. If they have a system issues that's on their end. I already paid the balance before it was due months ago. They said they would look into ot further and has not gotten back to me and now I am receiving another piece of mail saying it is going to be sent to collections of not paid in 10 days.
Company Response:
State: CT
Zip: 06106
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: TSI ( Transworld Systems Inc ) has repeatedly contacted my business number for months looking for someone else. They have the wrong number. We've repeatedly informed them via voice they have the wrong number. We sent them an official cease-and-desist letter on XX/XX/2017. They still continue to call us.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: From XX/XX/2017 to present, I have told XXXX XXXX XXXX and TSI that I did not owe this debt and I wasn't paying this debt. The services provided by XXXX XXXX XXXX XXXX XXXX XXXX and its doctors was sub standard to say the least. I will not go in to detail because this is a private family matter. Do you pay for service you weren't satisfied with? Neither do I. Please stop any and all communications with me.
Company Response:
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Received letter from XXXX XXXX collecting for XXXX XXXX XXXX. I requested validation of this loan ( see attached ) and they sent me another collection letter. XXXX XXXX
Company Response:
State: IN
Zip: 469XX
Submitted Via: Web
Date Sent: 2018-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Transworld Systems 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: IN
Zip: 46953
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A