Date Received: 2023-05-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Transworld Systems , Inc, for committing identity theft. I have never given Transworld Systems , Inc, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems , Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems , Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems, Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems , Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: In regards to complaint number, XXXX, Transworld Systems provided false information in a feedback response letter. That specific complaint was filed because the payment was tried again, even after I alerted the CFPB alleging potential check fraud/ that I disputed the transaction attempt. The company did not provide a response to this specific complaint. I will be in communication with XXXX to question their business with federal contracts in regards to XXXX. This needs to be made public and hopefully XXXX will cancel their contract with XXXX. Furthermore, I am posting this current complaint so XXXX does not attempt to send another check through at the end of this month, which I will not authorize. Again, as XXXX has stated they " take these matters seriously '', I dont think a FTC complaint is enough and I feel they do not take these matters seriously.
Company Response:
State: HI
Zip: 96792
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TRANS WORLD SYSTEMS, debt collection agency have been calling me daily claiming I owe thousands of dollars to a XXXX lab. When I told them I have never had any XXXX lab work and that this debt was either a mistake or possible identity theft, they claimed they would look into it but still insisted I make payments. They also claimed that I had made prior payments in the past which was not true. They were not able to accept that I would not make payments for a debt. that I did not owe. They were persistent and didn't seem to get the message at which point I hung up.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, XXXX XXXX principal holder, have wrote a letter to Nationwide Credit Inc letting them know it's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. They have not responded. or removed this of my credit report. I am willing to go into arbitration if they don't remove this off and but make account in Good standings. F.D.C.P.A. at 15 USC 1692 e.g. Title 18 section 8 ( All debt is the obligation of the UNITED STATES Cestui que vie act of 1666 trust account pursuant 15 usc 83 banks can not loan money 1933 emergency banking act
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a XXXX dollar debt originally from an internet provider. It was sent to Transworld Systems, it has been harming my credit for 6 months now. The phone number for Transworld never is answered. They don't have a website and century link the alleged source of the debt can't tell me if I even owed it. I just want this to stop wrecking my credit I am happy to pay if I owe but need a method to do so. Transworld Systems seems to be a credit score destroying company not a debt collector.
Company Response:
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Transworld Systems Inc Fraudulently Contacted one or all three credit bureaus without validating a this debt. I Required this company to supply me with a list of items to validate debt such as ; Proof of ownership, Proof of a contract between myself and their company, Proof company has a legal right to collect in my state ie. To date this company has failed to provide this information. This company is in direct violation of federal statues.
Company Response:
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TSI is trying to collect a debt that was never owed. XXXX, XXXX, the original company charged me for items they say were not returned, but they were returned and I have proof. Or the " debt '' is for something else. I do not know because it was never established, why the debt was owed in the first place.I have responded on their website that they need to send me proof, unpaid invoices etc but they ignore that.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Im getting a debt saying i owe {$100.00} as of XX/XX/XXXX from XXXX parks when i have autopay every month of {$70.00}. I dont owe any debt and have not signed up for anything extra
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: - XX/XX/XXXX : I rented a car from XXXX in XXXX who was almost 2 hours late in supplying me a car at the pickup time specified on the original reservation. The result was a wasted business trip where I missed 2 of 3 of my meetings and was unable to join two conference calls. I was charged {$59.00} for the botched rental and tried to work with the merchant but they were uncooperative. - XX/XX/XXXX : I logged a dispute on my credit card. XXXX never responded and hence I won the dispute. - XX/XX/XXXX : I had a car reservation at XXXX ( who owns XXXX ) in XXXX XXXX and denied exit from the lot due to the {$59.00} they believed I still owed. At their customer service desk I was advised to contact their XXXX department who in turn transferred me to Transworld Systems Inc ( TSI ) who informed me I could not rent the car until I paid {$59.00}. I advised them this was an invalid debt and nor did I ever receive a 30-day validation letter mandated by the FDCPA. They told me they did not have to send one and without a payment I would not be able to rent from XXXX. Given I was stuck in their lot and behind almost 2 hours in getting to my destination, I charged the {$59.00} on my credit card and advised them I would dispute the payment on the invalid debt and report the FDCPA violations to the CFPB. XX/XX/XXXX : The {$59.00} charge was placed into dispute and TSI was contacted by my credit card bank on XX/XX/XXXX. In the meantime TSI continuously calls me without leaving a message which would be a UDAAP violation XX/XX/XXXX : As of this date TSI has not responded to the dispute and must do so by XX/XX/XXXX in accordance with Visa chargeback rules.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A