Date Received: 2024-01-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2023 I disconnected service with XXXX ( my phone number XXXX ). On XX/XX/2023 XXXX charged on my credit card for {$150.00}. They subsequently owed me {$110.00} in prorated amount due to my disconnection of the service. I received multiple statements in the mail from XXXX stating I was owed a credit of {$110.00}. I made XXXX phone calls between XX/XX/XXXX, XXXX XXXX, XXXX inquiring about when I would be receiving the refund. I was told numerous times that the money would be refunded to my original payment method which was my credit card. Despite my XXXX attempts to receive my refund, they never refunded my money. I then filed a dispute with XXXX ( my credit card company ) for a partial refund of {$110.00} of the {$150.00} I paid to attempt to get my money back. XXXX then immediately sent me to collections, I received a bill from Transworld Systems Inc saying I owe {$45.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account closed and debt was paid- continues to collect interest on interest. This is not in keeping with FDCA
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was only XXXX XXXX XXXX then and my name appeared as an occupant on the apartment lease. My father, XXXX XXXX, was the sole lease holder because I was too young to co-sign.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77062
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I lived at the XXXX at XXXX XXXX and lost my job at the time of living there. they advised that i can get out my lease and it will not hit my credit and that I had time to pay for the debt that was owed. They also advised that it will not show up on my credit at all and they will treat it as a move out. This happen in the year of 2022 as I also lost my father and had to pay for services. I did not receive anything that states that I owed them or that it was on my credit as a broken lease. I did not recieve no information from the credit collection company and they have not still reach out or I do not know who to reach out too.
Company Response:
State: TX
Zip: 77071
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld Systems Inc. sent communication via mail stating they are debt collectors and are attempting to collect a debt. XXXX dated XX/XX/XXXX ( exhibit A ) stated they were trying to collect a debt from XXXX XXXX in the amount of {$10000.00} and a response must be had by XX/XX/XXXX. The next communication received was dated XX/XX/XXXX ( exhibit B ) stating that XXXX XXXX allowed them to make an offer to regain card membership and reinstate the account. I then sent Transworld communication on XX/XX/XXXX ( exhibit C ) ; accepting the offer, disputing the debt, requesting validation, the name and address of the original creditor, and proof of contract to lawfully collect this alleged debt. I then received another communication from Transworld Systems Inc, dated XX/XX/XXXX ( exhibit D ), restating the same communication from XX/XX/XXXX. I have yet to receive any communication from Transworld in response to my acceptance of the offer within the communication they received. The consumer has never entered in a contract with Transworld Systems Inc. As stated in the communication sent to Transworld, I believe they may be an innocent purchaser of the alleged debt. As XXXX XXXX may not be in compliance with their prospectus. An audit of both accounts, XXXX XXXX and Transworld is being requested for tax purposes.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This bill was paid and shut off before we moved I had a XXXX balance when closed I dont believe its fair to me to have to fight to remove this off my credit as I do not owe them money I would like to ask for removal from my credit thank you in advance
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Subject : Dispute of Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Transworld systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number XXXX. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges. 2. Proof of your legal authority to collect this debt. 3. Documentation establishing the original creditor and the nature of the debt. 4. Any agreements or contracts bearing my signature related to the debt. Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete. I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report. Thank you for your cooperation in resolving this matter promptly. Sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: TRANSWORLD SYSTEMS INC for a listed debit of {$320.00} for XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX This is the XXXX time this collection account has wrongfully been added to my credit report, I have even spoken with Transworld, and expressed this is my account, for the 2nd time in 3 years. In 2019 I had this already removed as I proved that I never lived at an an address listed in XXXX XXXX, I have never lived at before. At the time the account was opened fraudulently in my name with SSN, I was living in Florida. I had this removed from my report 3 years ago, and I proved it was not account, however they have attached it to my credit again, and refuse to accept is not my account and is fraud. The address listed in XXXX XXXX does not match any address I have lived at on my XXXX report, so how they can get away putting back on my credit is illegal. Please help and have them remove and taken off their creditors list as this is not my account and I did not owe them {$320.00} for XXXX XXXX. I have attached proof I was living in XXXX from XX/XX/2019.
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX from TSI called from XXXX, saying he is collecting a ~ {$22000.00} debt i owe to XXXX XXXX from XX/XX/2019, and how would i like to pay this debt. that's impossible, as i've never bought anything from XXXX, and never bought anything for that much money. obviously a scam.
Company Response:
State: CO
Zip: 80907
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my credit reports I discovered two accounts from Transworld ( TSI ). I have disputed these accounts several times with the credit reporting agencies and has gotten no resolution. So, I decided to dispute directly with the company who reported this information. I sent a letter requesting validation of debt for Account # XXXX and Account # XXXX via certified mail on XX/XX/2023. USPS Tracking states it was delivered on XX/XX/2023. I have given Transworld ( TSI ) well over 30 days to response and they have not. I wanted this information removed from my consumer report immediately.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A