Date Received: 2016-08-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My wife rented a car from XXXX. A tire blew out and the car had to be towed. To our shock, we both saw the car with the flat, more than 14 days later, XXXX produced pictures of damaging they say totaled more than {$3000.00}. We demanded pictures and proof from the next day. Never produced. We demanded our insurance company call " bull '' on the attempt to fleece them and ultimately damage us with a higher insurance premium. XXXX XXXX did not, to our chagrin, and paid all but the deductible of {$250.00}. We have paid it to avoid a report on the credit bureau since a bill collector is chasing us now. I am a XXXX ( XXXX ). I see true value in your mission based on these continuing attempts and successes of businesses candidly XXXX consumers unfairly and without conscience. In particular, we have heard too many stories of car rental companies fleecing thousands of dollars from its clients. Enough is enough. Thanks for viewing.
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2016-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: I, XXXX XXXX ( I was recently married so my maiden name is XXXX XXXX ) I received a letter about a pass due balance of {$300.00}. I spoke to a rep on XX/XX/XXXX and requested a settlement. The rep stated will need to get hospital to approve settlement and will call back once she find out results. The rep called me back XX/XX/XXXX and left a VM. I called the company back to respond to the VM on XX/XX/XXXX @ XXXX. The rep disclosed my account info prior to verifying who I was ( HIPPA violation ) and told me my balance due at this time is {$750.00}. I asked the rep where did that amount come from I was told a different amount. Rep stated I have more than one account in collections and attempted to collect a debt on an account that was included in my chp.XXXX bankruptcy. My bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX.I had to advise the rep I filed bankruptcy and any other bill should have been included in the bankruptcy. The rep looks over the account and came back and said I see the other accounts were included in the bankruptcy. I requested a supervisor, once the supervisor came on the phone I asked her why her rep is attempting to collect on a debt that was included in my bankruptcy? The supervisor stated the rep did not attempt to collect on a bankruptcy account and the rep was only collecting on the bal due in the amount of {$300.00} and if I filed bankruptcy, I never provided that info to them so the company was not aware of the bankruptcy. I advised the supervisor with the amount the rep stated is in collections and the full amount I owe which is {$750.00} and this was included in my bankruptcy. The supervisor stated well the rep is new and did n't pay attention to the account correctly but the balance due at this time is XXXX. I ended the call. I would like to file a compliant against this company this was a FDCPA and HIPPA violation.
Company Response:
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2016-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX charged us incorrectly for our XXXX visits. We had explained prior about this issue and they did not want to work with us. They forwarded the debt to XXXX and XXXX demanded {$600.00} per month which would have made us homeless and starving. I also explained to XXXX the problem and were unwilling to work with us, called several times a day, even 2 to 3 times in one hour. They forwarded our debt to an attorney ( XXXX ), was told they figured a deal, was only made aware of XXXX account and was supposed to be paid off XXXX XXXX, was told the accounts just showed up out of no where. XXXX XXXX was supposed to charge the VA medical center in XXXX for my XXXX visit. I am a XXXX vet. They also put my daughter as my husbands spouse with the wrong birthdate. Husband and daughter were charged for procedures not done.
Company Response:
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2016-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX failed to deliver a package I had shipped with them. When I tried to get an explanation, they concluded that I had abandoned the shipment and they closed the case without notifying me. So, I disputed the shipping charges on my credit card. A few months later, I received a bill from XXXX for the shipping amount. I opened a case with XXXX to dispute the bill and ask for a refund on the value of my package. They did not respond at all and set a debt collector ( Transworld Systems ) on me. When I called XXXX about this, they tried to confuse the issue and eventually just hung up on me. So now I have no recourse to fair treatment and the corporation is using its power to harass me into paying for a service they failed to render.
Company Response:
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2016-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-16
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I XXXX. I received a call from Trans World Systems XXXX at approximately XXXX on XX/XX/XXXX. They asked for a specific person, who I did not know and never heard of and I told them this was a business and I knew of no such person. She proceeded to tell me I was being recorded and did I know this person and this was not a business it was a personal phone number. This person needs to be fired as this company obviously does not know the rules. I always answer XXXX XXXX XXXX. The club has no debt and no employees. This is a very aggressive individual who does not listen. I do not need this company calling a business while I have customers. I want her fired for failure to listen. If someone tells her they called a business, she should listen and she should not try to press forward with obnoxious questions about someone I do n't know.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2016-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have an account in collections on my credit report and the debt is not mine. I contacted this company to resolve the issue but im told to take it up with the credit bureau. I was never contacted by mail or telephone prior to them reporting the debt to the credit bureau. I tried to send a certified letter of validation of this debt to the address listed on my credit report but the letter was undelivered according to the post office.I tried several times to get this issue resolved but no one that i speak with seem to want to help me. I found out that the debt belongs to my daughter who is an adult and at that point i was told that this debt is a mistake. I dont believe its a mistake because there is no account to be found under my name. The way that this company finds me is under my daughter name which they have listed as the account primary holder. They clearly got the invoice from the original creditor with the person that need be pursued. I have a copy of the exact invoice and my name appears no where. I believe the went beyond the scope of the invoice to implicate me and thats not legal either. Even if it was a common mistake they should be more willing than they are to resolve the issue. I feel that this company needs to be reported. I attempted to resolve this matter several times and im still getting no where.
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2016-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-15
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Transworld Systems Inc sent me a letter dated XXXX/XXXX/16 claiming I owed them {$870.00} and offering me a XXXX % settlement. Two weeks later I called them requesting proof of debt. I also called the hospital, confirmed that I owed them NO money and that I had insurance at the time this charge may have been incurred. I tried to get the phone number of the creditor from Transworld and the request was denied. I was also informed by the hospital that they never worked with the creditor listed -- XXXX XXXX XXXX. It is now XXXX XXXX. I still have not received proof of debt. I called Transworld again this morning. The phone went immediately to an extension 's voicemail. That mailbox was full and unable to record messages. I went to Transworld 's listed website " XXXX '' to try to contact someone -- that website has been shutdown. I do not have money to buy my credit report to see if this charge has been listed against me. The address for XXXX XXXX XXXX is for an office building. The suite number was not provided. I have no way to contact them. The above leads me to believe that this is an attempt to steal money from me by threatening my credit score by illegally obtaining protected health information.
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2016-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld Systems Inc has been contracted by XXXX to collect a debt. It was an issue with XXXX having XXXX separate accounts, of which we were unaware. It was corrected and resolved with XXXX, the service provider on XXXX/XXXX/2016 as confirmed verbally and on their website. 5 weeks later we get another letter from Tranworld demanding payment. Furthermore and THE ACTUAL COMPLAINT : on the bottom of the letter there is the disclaimer of their fair practices ; it gives the web address to file a complaint. However, that web address is a dead-end unless you have already received a letter from them with a special access code. So, they clearly are trying to run-around the fair practices law by making it nearly impossible to file a complaint.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Background : This complaint is a follow-on to case number XXXX ( the " Original Case '' ) because I received an auto-generated response on that complaint that more information was needed, but the CFPB customer service at XXXX was unable to assist me on XXXX XXXX because the Original Case did not give consent for CFPB to release my personal contact information. Your phone representative asked me to resubmit the case with consent to publish my personal information, as I am now doing. * * * Complaint : XXXX processed a consolidation loan for me in XXXX XXXX, 2016, that repaid and consolidated XXXX prior direct loans : XXXX with XXXX and XXXX with University Accounting Service ( on behalf of my university ) ( " UAS '' ). In the repayment process, due to passage of time and intervening payments I made on my UAS loan during the consolidation process, XXXX ended up overpaying my UAS loan by {$520.00} ; UAS says they issued a refund in that exact overpayment amount to XXXX on XXXX XXXX, 2016, but XXXX claims not to have received the refund. Despite my requests to UAS via phone call ( in XXXX ) and the UAS website ( XXXX XXXX ), XXXX has not provided any proof that the refund was issued or further information about the refund so XXXX can research what happened. I have worked with UAS and XXXX to resolve the issue, but their customer service departments have been unable or unwilling to resolve the issue.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have recently requested a copy of my credit statements that have been submitted to a collection agency and upon reviewing the documents, I found some outrageous amount of interests that have been charged under my account.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes