Date Received: 2023-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received notification during XX/XX/ from the credit bureaus that a company called Transworld Systems was listed on my credit report for a collection debt in the amount of {$930.00}. The original creditor is XXXX XXXX. Someone has created a fradulent utility account under my name. This account does not belong to me. I have been a victim of identity theft. This utility debt is associated with an account in XXXX, TX. I have lived in the state of Louisiana for over 20 years. I have filed a police report and will provide supporting documentation to show my proof of residence over the last year. Also, I have filed a dispute with XXXX XXXX. Please remove this collection debt from my credit report.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DEBT COLLECTOR IS CLAIMING I OWE THIS DEBT I HAVE NEVER HAD ANY ACCOUNTS WITH THIS DEBT COLLECTOR.
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I've received numerous calls from Transworld Systems Inc. trying to collect a debt owed to XXXX XXXX XXXX XXXX. Their references/file # XXXX their invoice number XXXX XXXX XXXX
Company Response:
State: WI
Zip: 54956
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/202, I rented a car from XXXX in XXXX XXXX, XXXX, NY. The rental was from XX/XX/2022 XXXX XXXXXXXX XXXX As required, I returned the vehicle on XX/XX/2022 ( around XXXX XXXX ) to the drop-off location listed in the rental agreement ( XXXX XXXX XXXX in XXXX XXXX XXXX VA, XXXX XXXX has an office ). There was no one from XXXX present when I arrived to drop off the keys, even though it was during its normal business hours. I followed the directions that I saw written on a paper posted on the door of the office, that stated I should drop off the keys in its drop-box. I have a photo of these instructions, which shows the time and date taken ( around XXXX XXXX on XXXX XXXX XXXX ). I then called XXXX 's customer service number to confirm that this was correct. My father witnessed this call to XXXX 's customer service and its acknowledgement that I had returned the vehicle correctly ( I have a record locator number for this call ). My father was my ride home, so he witnessed me drop off the vehicle at the exact location listed in my rental agreement. He is willing to testify as a witness. On XX/XX/2022 I received an email from XXXX XXXX, who works at XXXX. She requested an affidavit that I returned the vehicle I had rented. I emailed her MANY times with no response from XXXX XXXX, and no communication from XXXX whatsoever. On XX/XX/2022 I saw that XXXX had charged my debit card ( the original payment method that was used for the rental ) a total of {$3400.00}, which was the entirety of my check account at the time. I saw that they also emailed me an invoice for {$11000.00} - claiming that I had not returned the vehicle until XX/XX/2022 at XXXX XXXX. XXXX has now sent me to collections via Transworld Systems for the {$11000.00} charge, destroyed my credit, and will not cooperate with myself or my lawyer. I have a large amount of evidence proving I do not owe XXXX more than {$110.00}.
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld Systems Inc account # XXXX states I owe XXXX to XXXX XXXX XXXX Opened XX/XX/XXXX I don't have a contract with XXXX XXXX. My lease ended XXXX XXXX XXXX I was out of the apartment XXXX XXXX XXXX Gave notice 90 days in advance. See notice attached.
Company Response:
State: CO
Zip: 80921
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was contacted by a debt collector who said they sent a formal letter to an old address. I have not lived in that address nor do I own that house for over 6 years. I contacted transworld and my former employer multiple times but have yet to receive any documentation as to the debt owed, where to pay it, etc. I specifically requested a letter to be sent to my new residence on XXXX ( request to XXXX XXXX ) and XXXX ( request to Transworld ) and have not received it. I called Tansworld again today ( XXXX ) and they gave me the same speech ( they do not know when it will be sent out ) and then once I mentioned a lawyer, their connection became " unaudiable ''. I tried to call back 5 times and no one answered.
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: See original complaint - XXXX. As indicated, I do not owe this debt. However, to prevent the debt from being charged off and affecting my credit, I paid it. I AM SEEKING REIMBURSEMENT - THIS DEBT IS NOT MINE.
Company Response:
State: CA
Zip: 96150
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello Sir/Madame, I have received two bad debts send to collection and they're reflecting negatively on my credit report showing under XXXX from ; XXXX XXXX XXXX for XXXX which I recognize after speaking with the collection company but I never received this bill only to find it on my credit report. The second bill reported on my credit report under XXXX is from ; XXXX XXXX XXXX XXXX XXXX which I don't recognize even after speaking with the collection company. I have never visited or been admitted at that location since I live in Pennsylvania not New Jersey. I have spoken the collection company regarding this issue and I will really appreciate if you can look into it. Thanks, XXXX XXXX
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received an email alert from the XXXX website on XX/XX/XXXX. I checked the credit report website and saw an alert stating, " XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/XXXX. '' I have yet to receive a paper billing statement or an email informing me of a pending balance. The last message I received in my UAS connect account was on XX/XX/XXXX. I do remember calling UAS to inform them of my in-school status in XXXX, the representative said at the time that the loan would be put in active deferment when the federal database verified the change. I could not call the private loan lender immediately, but I called a few days later, in XXXX. I requested to confirm the deferment status of the student loan and the current contact information, including email and address. My address and email information was correct and current. The student loan was in repayment, despite being a full-time student since XX/XX/XXXX at XXXX XXXX XXXX The representative verified with the federal database and updated the status to an in-school deferment. I asked when the credit score would be reversed, and the representative said it would be at the end of XXXX. I revisited the credit report website on XX/XX/XXXX, and the credit score was not reversed. I emailed the private loan lender that day that I wanted to submit a complaint due to insufficient diligence on their part. I received correspondence from XXXX XXXX on XX/XX/XXXX, but he did not explain how to submit a complaint. He confirmed that the deferment status was active, and there was no balance due at the time. I replied on XX/XX/XXXX, to explain that I wanted to proceed with the complaint because I had never received a billing statement, and the lender 's negligence affected my credit score. The score did not reverse at the end of XXXX. The representatives I communicated with extended the dates when my credit score should have been reversed but did not explain the steps to submit a complaint. I persisted in submitting a complaint despite the evasiveness in the emails. I called on XX/XX/XXXX, and spoke with representatives that would not transfer my call to a supervisor to file the complaint. Again, the individuals were evasive and unprofessional. I became irate when the representative lied, including telling me I would be transferred and never hearing the hold message and music ; the representative, XXXX, also lied to me, saying she had to email her supervisor before transferring mehighly suspicious behavior. After speaking with XXXX, I sent an email the same day and explained the poor customer service I received during the calls and insisted on filing a complaint. I never received a reply after the XX/XX/XXXX email, and my credit score has not been reversed when I checked on XX/XX/XXXX.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to file a complaint against [ transworld ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( b ). I believe that this creditor or collection agency has engaged in unfair and deceptive practices in their attempts to collect a debt that I dispute. As per 15 USC 1692g ( b ), I have the right to dispute any and all alleged debts and request validation of the same. I have done so in writing to this creditor or collection agency, but they have failed to provide me with any validation of the alleged debt. Despite my repeated requests for validation, they have continued to contact me and demand payment. Moreover, I have checked my credit report and found that the information provided by this creditor or collection agency does not match with the information provided by other credit bureaus. This has caused significant damage to my credit score and has made it difficult for me to obtain credit in the future. I am hereby requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against this creditor or collection agency for their violations of the FDCPA. I am also requesting that the CFPB ensure that my credit report accurately reflects my credit history and that any negative information provided by this creditor or collection agency be removed. Thank you for your attention to this matter. I look forward to hearing from you soon
Company Response:
State: PA
Zip: 17013
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A