Date Received: 2023-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a violation of my XXXX privacy and the reporting agency has violated my rights per the consumer credit/finance laws.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I resolved a debt with Transworld Systems on the terms that it would be removed off my credit report. I paid the amount in full and they sent me a letter that the debt was resolved. When disputed with the letter given, they will not remove it from the credit report. The letter states as of XX/XX/2023 the debt has been resolved. I have contacted Transworld Systems multiple times to try to get this resolved and they will not work with me, so they leave me no choice but to submit this complaint to try to get a resolution.
Company Response:
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a letter in the mail to this company Nationwide Credit Inc at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/2023 and XX/XX/2023 because I saw a collection account on my credit report from that they own. I explained that the collection account from them showed an original creditor as XXXX XXXX XXXX XXXX and that I didn't recognize it so please send me information so I could try to verify it. I never heard back from them and this collection account is still causing damage my credit. I have worked very hard on my credit and am very upset that this error is still being shown and the company responsible for it won't respond to my request.
Company Response:
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Transworld Systems Inc. ( TSI ) is acting as a debt collection agency for XXXX XXXX formerly known as XXXX XXXX to collect a purported debt of {$350.00} claimed against me by XXXX XXXX. This amount is premised on the fact that I recalled the {$280.00} I initially paid for ( Application and administrative fee ) ; and they added {$75.00} as fee for the bank recall. The company considers the {$280.00} I paid to be non-refundable regardless of whether they provide services paid for or not, because these fees were tagged non-refundable in the application agreement. Thus they engaged TSI to pursue the debt of {$350.00} with me. Upon receiving the notification from Transworld Systems IncXXXX about the debt, I disputed the alleged debt, and provided evidence proving my position but Transworld Systems Inc. failed to perform any due diligence to remediate the matter, rather they are pressuring me and seeking to send this debt into my credit report as a collection item. Background to the dispute : I approached XXXX XXXX to rent their apartment facility in XX/XX/2021. At this time they were only open for showing by appointment. During my initial visit on XX/XX/XXXX I was made aware that I had to pay an application fee of {$80.00}, and administrative fee of {$200.00} to get ahead in the leasing process for which I paid and filled out an online application form. I was scheduled to inspect available apartments on XX/XX/2021, and after the inspection, I voiced my reservations regarding the substandard condition of the apartments shown to me, which were unsuitable for my family. In response, I explicitly asked the Leasing Associate and Director of Leasing, with whom I met during the visit, to furnish me with a list of newer apartments for inspection. Both individuals assured me that they would supply me with the list of new apartments once they became accessible and also promised to provide all necessary assistance in locating a suitable residence within the XXXXXXXX XXXX complex. On XX/XX/2021, I was informed by email of the availability of apartments XXXX ( # XXXX ) and XXXX ( # XXXX XXXX ), both within my budget. I expressed interest in apartment XXXX and requested further information about the amenities via email. However, I did not receive any response. I called the office multiple times but to no avail, I had to find alternative housing. Based on the aforementioned circumstances, wherein my diligent efforts to gather information to proceed with the leasing process were met with complete silence and unresponsiveness from XXXX XXXX, I went through my financial institution to recall the funds I paid for the application and administration fees on XX/XX/2021. I maintain a strong belief that the company failed to fulfill their contractual obligations. Therefore, I deemed the responsibilities highlighted for XXXX XXXX under disclosures 1 and 2 regarding in the application agreement inconclusive and unfulfilled. They neither reached out to fulfill the services that I paid for, nor rejected my application at any time. Under Texas law ( Texas Business and Commerce Code, Chapter 35, Section 35.47 ), it is expressly prohibited for companies to collect fees or monetary amounts without rendering the accompanying services. Although the application fees were tagged non-refundable, paying the fees is precedent of the company 's responsibilities to help me find a suitable apartment within their complex. However, in this case the services for which the non-refundable administrative fee was charged were not provided, it is well within my rights to seek a refund of said fees as my application was left inconclusive. I was not allocated an apartment, neither did I at any point in time notify the apartment complex of my decision to abandon my application. I provided this information in a letter to Transworld Systems Inc, in hopes that they would carry out an independent assessment of the matter and be an unbiased umpire towards resolving the issue amicably. To my utmost dismay, Transworld Systems Inc seems to be more interested in just collecting the debt rather than remediation. I have kept in touch with Transworld Systems Inc through the period since they reached out to me, and provided all necessary information and support to assist them in discharging their duties. However, during my last telephone conversation with a team lead within Transworld Systems Inc 's collection department, I was informed that the debt is eligible for reporting to my credit report and paying the debt would not guarantee that it would not be reported as a collection in my credit report. This prompted me to lodge this complaint because I do not believe that to be a fair assessment and resolution of the case, by Transworld Systems Inc. ( TSI ). I hereby request that you stop Transworld Systems Inc from reporting this debt into my credit report as a collection until the case is professionally investigated and resolved.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Illegally posted item that do not belong to me on my credit report
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld Systems in the amount of XXXX ( XXXX XXXX ). I have reached out to them several times informing them that I have no debt with this company or original company. Transworld Systems have stated the debt was valid and that is untrue. The name on the account and personal information such as social and dates etc are not mine. It also was during Covid-19 and I'm not sure who or why my identity may have been compromised. Again, the names and personal information don't belong to me. I want this to be removed from my credit report. Thanks!
Company Response:
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt is the result of disenrollment from XXXX on XXXX XXXX. Under 28 USC 2815, XXXX has six years to initiate action to collect this debt. I was not notified of this debt until after XX/XX/XXXX. I have disputed the veracity of this debt since being notified. Since this debt was initially accrued ; I have gotten married, purchased two homes, two cars, and had XXXX children. This debt showed up on my credit report at some point in XXXX and was removed in XXXX. I was under the assumption that my unanswered protests related to the time-barred nature of this debt were heard. It is now back on my credit report as a collections account. XXXX has now sent this debt to Treasury who has forward it to a collections agency for servicing. I have been placed into the Treasury Offset program. I am requesting that this issue be finally resolved. That the debt be expunged due to its time-barred nature and that I be renumerated for the monies taken from me via the Treasury Offset .
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Contacted TSI after realizing they placed a debt on my credit reports ( XXXX ) of a balance {$10000.00} from my past landlord XXXX XXXX XXXX / XXXX XXXX XXXX XXXX This was paid in full through Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is now fraud, due to XXXX XXXX XXXX ( landlord ) not crediting the full payments to my account.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX was not working during Covid, I got layed off from my previous job. At the time of moving in the apartment I told leasing office that. They told me since I was over XXXX I had to go on lease with other tenant I went on lease, he was primary. This is not even on his credit report. Its been brought to my attention that they approved him with fake documents and they didnt do verification process right so it should be removed from my report. I used my personal information to be on lease legally. Transworld systems is the debt collect that debt was sold to from XXXX at XXXX XXXX. They put debt on me because it cant go on his because his real social was no provided.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A