Date Received: 2015-09-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was injured in a fall at home on XXXX/XXXX/2015. I went to XXXX XXXX Hospital in XXXX XXXX XXXX and was treated in the XXXX. About a week later my wife and I traveled to XXXX where we spend XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Apparently during this time period XXXX XXXX XXXX XXXX sent a bill to our home address asking us to pay {$57.00}. We never received this bill/statement eve though our mail was forwarded to our XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 we received a phone call from TRANSWORLD SYSTEMS INC. advising that they were a debt collection agency and we needed to pay this bill. They were given valid credit card information to pay the entire {$57.00} and we were provided authorization number XXXX from TRANSWORLD SYSTEMS INC and promised a letter to follow saying the matter had been handled. On XXXX/XXXX/2015 AT XXXX we received a call from a male voice saying he was with TRANSWORLD and that this bill for {$57.00} needed to be paid as they were a collection agency. When I asked the caller for more information, he became upset and said he 'd mail us the demand and then he hung up. I called back to TRANSWORLD three times immediately. Each time after identifying myself and providing the account number we had been provided I was abruptly disconnected by the TRANSWORLD employee. On the fourth call to TRANSWORLD a female identifying herself as XXXX XXXX listened to the information we had, i.e. the bill had been paid by credit card 11 days previous, we had not received the confirmation letter via mail, and I provided the authorization number received from TRANSWORLD. XXXX XXXX said that their system did not show any payment or credit card information. XXXX did check with her supervisor, XXXX XXXX and eventually came back on the line to say that TRANSWORLD has been having computer problems, and " employee problems '' and requested that we pay the bill again. Again our credit card information was provided and again we were given a second conformation number from TRANSWORLD. I requested that TRANSWORLD send a letter to each credit reporting bureau explaining TRANSWORLD 's error and was advised that a letter would not be necessary as our credit ratings had not been damaged.
Company Response:
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2015-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-23
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: The phone number they call from is XXXX. They have said that their names are XXXX XXXX and XXXX XXXX. After pressing them, they then say that they are Transworld and are trying to collect a debt for medical expenses. They start demanding credit card information and social security number for verification purposes ( yeah right )
Company Response:
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2015-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: A representative from Trans World Systems, Inc called my house at XXXX and asked for a XXXX XXXX. Caller Id said Toll Free Caller.The telephone number was XXXX. I told him that there is not XXXX XXXX here. I asked him why he was calling my house and he said to get in contact with XXXX XXXX. I asked if he was a debt collector and he refused to answer me. He told me that he ca n't. I hung up and dialed the number on caller ID. That is when I asked the name of the company. I asked him why he was calling my number and where did he get it? He would n't answer my questions. I told him that he can record this, " DO N'T CALL MY HOUSE ANYMORE. '' Then he asked me for the last XXXX of my phone number because he has XXXX numbers on his list ; I think he wanted to record me giving him my number. Obviously, he knew my number because when I asked him if he was a collection agency when I called back and he said he or his company called me looking for XXXX XXXX. Then he asked for my name which I refused to give. First of all, he has no right calling my house about any debt collections because I do n't owe anybody any defaulted debts. And even if I knew the whereabouts of a person, I would not tell them. Collectors answer no questions ; I answer no questions.Let them do their own work.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2015-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This collection agency is attempting to collect a debt from a company/entity called " XXXX XXXX XXXX. '' I am not that company and have never heard from them. I would like this collection agency to stop sending collection notices to my home address concerning this company/entity. The collection agency has also never provide any proof as to how a company called " XXXX '' or who they are, owes any money??
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2015-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We owed {$320.00} to original company ( XXXX ). After a phone call from them regarding payment, I advised them I never got a bill. I gave them my current address in XXXX. It took three phone calls for THEM to get it correct. By that time they put the debt into collection ( Transworld Systems , Inc. ) I paid the bill on XXXX XXXX, 2015 after finally getting an invoice from XXXX. On XXXX XXXX, 2015 received a call from debt collector ( Transworld Systems XXXX. I advised them that this account had been paid on XXXX XXXX. Transworld said they did not get payment info from XXXX and needed it. So I called XXXX and was told they would send payment info to Transworld. In XXXX, 2015 received call from Transworld again and also XXXX XXXX. I called XXXX and spoke with XXXX and advised of the harrassment from Transworld. She called XXXX and they denied calling me. Today ( XXXX XXXX, 2015 ), I received ANOTHER notice of collection from Transworld Systems , Inc . I again called XXXX and spoke with XXXX regarding notice from Transworld. He advised that my account was paid and he did n't understand why Transworld was sending me a notice. He advised that he would send this complaint to his supervisor and have him/her call Transworld tomorrow ( XXXX/XXXX/15 ). I did advised him that I would be filing a complaint as not only was Transworld Systems Inc. harassing me but XXXX was also at fault for not making proper corrections to my address so I would get the invoice and be able to pay it in a timely manner thus avoiding collections. Address for Transworld Systems , Inc. is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Telephone # XXXX. Address for XXXX is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone # is:XXXX. I hope someone can do something about this company ( Transworld Systems , Inc ) harassing me. This has been more frustrating than recovering from XXXX.
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2015-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A utility bill I had eight years ago was incorrect. It was a bill for the previous tenant that was living in my apartment, but was transferred to me. I disputed this with the gas company, but they quickly sold my debt to creditors. XXXX harrassing letters and several years have elapsed. The debt has not been present on my credit report for at least a year now. Eight years later, the debt has reappeared on my credit report. I have proof that the debt was not listed on my credit report, and then summarily reappeared with a false " from date '' of 2013. I was not living in the same state at the time of the false date. The company is listed under XXXX under different names. It is listed as TransWorld XXXX, and TSIXXXX XXXX. XXXX are appearing only for the first time this month.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2015-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-20
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: I applied for a private student loan for XXXX XXXX XXXX XXXX in XX/XX/XXXX from XXXX ( My Rich Uncle ), with my father as a cosigner. In XX/XX/XXXX I was informed by a friend that XXXX was bankrupt/out of business. Upon a check of my credit score and further research, I confirmed that not only was XXXX out of business, but the loan it represented was of mine and my parents ' credit reports completely, and I ( as well as my parents ) was no longer receiving mail from the company. I did not know who to make payments to. Around that time, my family home burned down and we were forced to move several times to several temporary homes and no longer received mail at the prior address. Again, I attempted to find my student loan lender and change my address or figure out who to make payments to, without success. Two years later, I found something new on my credit score, and found out the company XXXX bought out XXXX and I owed {$6000.00} in past due payments, and {$32000.00} in interest, bringing my original loan of {$20000.00} to over {$50000.00}. They will not work with me at all with the exception of making smaller payments, which just accrue more interest and prolong my loan payout schedule. I am filing a formal complaint against this company for this incredible breach of ethics. I am unable to consolidate my loans at this point due to the high debt-to-income ratio, no banks will even finance me.
Company Response:
State: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2015-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I ordered a pair of sunglasses from XXXX which is a website/store out of XXXX. I paid for the glasses along with the shipping and fees at time of purchase ( shipping was {$0.00} which is stated on the order receipt that I attached below ). I now received a notice that I owe XXXX {$28.00} for Shipping ( now {$32.00} due to interest ). I believe that XXXX would owe this debt because as you can see on the attached document of my receipt, it says {$0.00} for shipping and there is a statement underneath the order that says if I am charged by customs for shipping that they will refund me 100 % ( that is implying that that should not happen but just in case it does ... ). Also, as you can see at the bottom of the email communication that i attached, I can not get a hold of them because the email gets rejected. As you can see in the attached, I have countless emails ( and lots of stress ) with this company because they sent me a NON-polarized sunglasses when I ordered a Polarized pair. They kept denying that I bought Polarized ones even though I sent them 'screenshots ' of my receipt that said " POLARIZED '' right in the description. I also sent them pics of their live website that reflected the same info. As you can see, they finally realize they were wrong and sent me Polarized lenses to replace in my frames. And now after all that stress I am left with this Shipping issue that is their responsibility because they would 've needed to tell me that I would owe {$28.00} and have to XXXX them for the refund. Their website should 've stated that I WILL get charged by customs and will need to get a refund ( but nothing works that way ).
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2015-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-17
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have a open debt on my credit report with tsi Transworld systems yet I can not get a hold of them with the number listed on my credit report and no one ever answers or returns my messages when I choose that option .Agency Original Creditor Open Date Status Balance TSI/XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency TSI/XXXXOriginal Creditor XXXX COLLECTIONSStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsTRANSWORLD SYSTEMSXXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? Learn more about how to dispute items on your ... I just want it cleared up so I can get a home loan some day and I ca n't even pay it
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2015-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-17
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: My loan was sold to a private collections company called Transworld. They called and threatened my husband with garnishment of his wages if it was not paid. The loan was made before we were married and therefore it is illegal for them to have done so. When they called him back they denied ever having done so though the call was recorded.
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2015-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No