Date Received: 2017-10-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau to see if a collection can be rectified. I have tried to request a full accounting of the {$2500.00} XXXX XXXX states is owed to them. I requested that I receive an account summary of my payment history, especially the first date in which a payment was at lease 30-days late. Now I have two collections for the same account posted on my credit bureaus, which is unfair and a violation of the Fair Credit Reporting Act as well as an abusive collection practice according to the Fair Debt Collection Practices Act. Therefore, I request a full accounting summary, not necessarily copies of previous invoices. I believe that at least one of these collections should be deleted as it shows a double negative hit on my credit report, creating duplicity.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2017-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Unknown account and I have disputed and requested validation and nothing has been received. Please help
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In or around 2007 I received student loans which were eventually serviced by XXXX XXXX XXXX. Due to delinquency I sought legal assistance and settled my balance for the loans which was paid in the amount of {$13000.00}. I recently learned of XXXX XXXX XXXX improper collection practices and as such, I would like my account reviewed and to receive a refund of all settlement monies paid should it be found the the company did not have the right to collect this money. Thank you for your time and assistance.
Company Response:
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2017-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent letters of dispute to this company requesting for valid validation and they laughed and hung up on me. they have reported this on my credit report. They refuse to give me who the client is. I have requested over and over to remove this debt I do not owe. I have never ever received anything from this company. except calls and hangs and call after XXXX. I have informed them if they do not remove this account that I do n't owe I will hire a lawyer they told me if I can afford this then pay my bill. I tried to speak with several different people that have names they refused to spell. I had attorney draft a letter and she spoke witl XXXX XXXX who told her they never got a letter., We have a copy of the signed certified letter. This is just another tactic of their violation of the FDCPA
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from XXXX XXXX XXXX for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XX/XX/XXXX and the judge deferred in my favor because the signature was not mine. XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did. In XX/XX/XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " Transworld Systems Inc. '' I had never received notification from Transworld that they were collecting a debt. I called Transworld and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to Transworld that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to Transworld to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report. A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back. I submitted a complaint with XXXX ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done. I believe Transworld Systems is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.
Company Response:
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: A number starting with ( XXXX ) XXXX calls me every single day multiple times a day starting from XXXX XXXX until XXXX XXXX The last four digits of the number are always different. They have called me every single day for the past 8 days in a row. When I answer, nobody speaks. I have sat on the line for 90 seconds just to see if an automated system message would begin but it never has. Its just silence. When I call the numbers back, its always the same voicemail You have reached Trans World.. but nobody ever talks when they call. I feel harassed and a little unsafe as I do not know if this is a scam or not. I have told them multiple times to please stop calling when I answer the phone but Ive never gotten a response and they continue to call. When I XXXX it, trans world comes up as a collection agency and I do have an eviction in collection for {$1400.00} so Im not sure if this is related or a scam. Please help!!! This is getting very aggravating. I cant block the number because the last four digits are always different
Company Response:
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX is claiming I owe them {$500.00}. I have asked for verification of the debt for months. XXXX has never verified the debt ( what it is for with receipts and proof I owe it ). XXXX hired Transworld SYstems Inc., a collection agency, to attempt to collect this unverified and baseless debt. I have a perfect credit score and I never have debt owing. This is defamation of character and harassment.
Company Response:
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My name is XXXX XXXX. On XX/XX/2017 I received a collection notice for XXXX work completed and paid years ago. At the time of XXXX procedure, XXXX XXXX XXXX asked that I take out a credit card in order to pay for all of their fees. I did that. I took the credit card and paid the credit card off. Now, years later, I am getting a letter telling me that I owe {$250.00} for XXXX work. The collection agency is Transworld Systems Inc. in XXXX XXXX PA sent me the letter. I immediately wrote them back telling that this was a FRAUDULENT charge. I am XXXX years old!!! They must think that I do n't have my affairs in order. The truth of the matter is that I have an money manager for a wife. She has all financial transactions in her accounting ledgers. We can go back 20 years and know exactly what we paid and when those checks were cashed. in any case, I do need your help in sorting this out with me. They may just ignore me and continue to accrue late fees. I want to make sure that my perfect credit score is NOT harmed with this collection. thank you XXXX XXXX ( XXXX ) XXXX XXXX
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I set up a payment agreement with Transworld Systems inc. I was told by two different employees that they would send me a letter of debt settlement. We arranged a payment agreement, I have not received a letter of debt settlement. I have contacted Transworld Systems inc. to try to get this issue resolved and they refuse to provide me with the information needed to prove that we have reached a settlement. I spoke with a supervisor and she still would not help me.
Company Response:
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We moved out of an apartment ( 600sq ft ) back in XXXX XXXX where we used XXXX XXXX for our electricity. Within a year, our bill went from around {$60.00} up to {$200.00} with no reason. When we moved, I canceled our service with XXXX. They tried to charge us over {$300.00} for doing so when they had already ripped us off on our monthly bills. I conveyed this to the original collection company back at the end of XXXX and heard nothing after that. It was removed from my credit report earlier this year but is now showing up again with a date of XXXX XXXX, XXXX under XXXX. There is no reason I should have to pay this amount for a company I havent used in over 2 years that gave no reason that I was significantly overcharged. If anything, they owe me money back.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A