Date Received: 2018-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a bill on XX/XX/XXXX from Transworld Systems Inc. for {$200.00}. This bill had two line items. One item for {$150.00} and another item for {$46.00}. I called to Transworld Systems Inc on XX/XX/XXXX to pay my bill. I gave them my payment information and they processed the payment. The phone operator confirmed that I paid everything showing in her system and that I had no outstanding payments. A few months later, I received an alert from my bank that my credit score had changed due to an outstanding debt that I owed. My credit score showed that I owed {$46.00} to Transworld Systems Inc.I called Transworld back and they informed me that I only paid the {$150.00} and still owed {$46.00} ( The phone operator on XX/XX/XXXX told me that I had paid everything that I owed ). I paid the {$46.00} during the phone call on XX/XX/XXXX. My credit score is now being affected because it shows that I had an outstanding debt payment for three months, even though I thought I had paid the entire debt in full on time.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This is a formal complaint against Transworld Systems ( TS ) for violating the conditions of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the FDCPA requires every collector to send a written validation notice stating how much money is owed within five days after first contact. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. Although I noticed on my phone that I had been called by Transworld Systems ( but never talked to anyone ), this attempt to communicate serves as first contact. However, I did NOT at any time receive a written validation notice from TS within five days, as the FDCPA requires. In addition, and although I questioned the validity of this debt from an ER doctor out of network for XXXX, I had made a significant payment as recently as XX/XX/2017 ( after my SS check was directly deposited ), which was before Transworld Systems became involved. Within the last several days, and being in violation of the FDCPA, TS wrongfully turned over this small debt ( {$130.00} ) to the credit agencies, creating unnecessary havoc where none should have occurred.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2018-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the Emergency Room, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX with a Spend-Down of {$970.00}, since they were the ones who provided me with a copy of my XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my Spend-Down and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX Spend-Down means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX Step-Down of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX Step Down of {$970.00} on it with the balance to be paid by XXXX. What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2018-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX 2017 I contacted the my doctor office about any unpaid balance. According to my doctor office I do not owe any balance, all of my bills were cover by my insurance. So, I am not sure what debt I owe?
Company Response:
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: have been calling for months in 2017 each day 2-3 times per day. It is a scam as I do not have any debts. Transworld systems asking us to call a XXXX XXXX ' at XXXX for a case number. We are not calling as we do not want to encourage this scam. Transworld Systems needs to take our number out of their system. We are unable to find out how to do this. It is harassment.
Company Response:
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Good evening - I have contacted this company a total of FIVE times since XXXX of 2017 regarding two debt collection accounts on my credit reports. The latest certified letter was sent to TransWorld Systems on XXXX XXXX, 2017 requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. I received a letter billing ledger as validation. This ledger does not assign the debt to me. I have yet to hear anything back from TransWorld once I told them that the handwritten ledgers did not assign this debt to me. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I took out a private student loan several years ago with XXXX XXXX XXXX for a little over $ 3K. I filed a chapter XXXX bankruptcy in XX/XX/XXXX ( estimated ). I was informed at that time to stop making payments on all accounts. I was only allowed to make payments via my trustee. XXXX XXXX XXXX was included in my bankruptcy. Sometime in XX/XX/XXXX - XXXX - sold/transferred my loan to Transworld Systems. I received NO communication on this. So when I converted my Ch XXXX to a Ch XXXX in XX/XX/XXXX - I didn't know that this had occurred until I received a notification from a XXXX XXXX XXXX about the student loan being in collections. I was NEVER given the opportunity to work out a payment plan with XXXX and they have put this information on my credit report as a collection account. I have been making $ XXXX monthly payments via XXXX XXXX XXXX, who doesn't report to the credit bureaus, however Transworld is reporting my account as a collection account. How is this legal? I was NEVER given an opportunity to pay this account with XXXX as they sold the account to Transworld AFTER I had filed bankruptcy. I DO NOT OWE Transworld anything! I should have been allowed to pay this debt to XXXX and they should not have filed this as delinquent while I was in a Chapter XXXX & Chapter XXXX - just to put a collection on my account after my bankruptcy was discharged. Can someone help me get this removed from my credit? I don't see how this process was legal.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 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. XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. I am currently continue to be served papers for court proceedings for case No. XXXX
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My Problem is with the XXXX XXXX XXXX XXXX I incurred tolls which I paid. The tolls are {$5.00} and I have paid them. there was a total of 10 tolls at {$5.00} each which I paid but They started sending me late fee notices of {$55.00} on each {$5.00} toll which is outrageous Why are they allowed to charge a late fee 11 times the toll amount. I am not a toll cheat and when I received the notices I paid them.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-02
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Student Loan : XXXX XXXX ( XXXX XXXX and XXXX ) My student loan was originally XXXX in 10 years it is now XXXX dollars. I was never made aware of the interest that it had accumulated throughout the years. They filed a garnishment against me 6 times and even garnished my bank account, while a payment was already settled in court. It has brought me to change jobs, financial difficulties, almost evicted, lights shut due to the garnishment in my bank account twice. They failed to get a hold of me even after I asked them if there is another student in records. They even attempted to take hold of property, which I do not even own. I was never aware of a lot of things when they attempted to garnished. I was never provided any documents as to why I owed such a large amount. Back in XX/XX/XXXX & XX/XX/XXXX I was served at home with documents to show up to court, but at that time I was in school. My student loan was made on XX/XX/XXXX & 2008. I was confused as to why I was served with an XXXX debt in XX/XX/XXXX & XX/XX/XXXX? Please help, this has caused me XXXX and stress. My hopes are my case will be part of the action lawsuit that was issued against them on XX/XX/XXXX. Thank you
Company Response:
State: OK
Zip: 73130
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A