Date Received: 2023-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice from Transworld Systems Inc. ( TSI ) indicating that I owed a debt of {$93.00} under reference/our account # XXXX ( notice uploaded ). I spoke with XXXX XXXX at TSI, who explained that the creditor was Transworld Systems Inc. She let me know that it may have been connected with a rental car company XXXX XXXX and that they were notified of the debt on XX/XX/XXXX. I own a XXXX XXXX truck, which I took delivery of XX/XX/XXXX. Upon taking delivery, I noticed that the truck had issues that required serviceXXXX XXXX reserved a rental car for me upon sending in my truck for service, on XX/XX/XXXX ( confirmation uploaded ). XXXX contract XXXX reflects the terms of the rental, and final receipt provided by XXXX on XX/XX/XXXX reflects {$0.00} owed. Subsequently, I had additional issues with my truck that required a second service appointment. XXXX again contracted with XXXX under contract XXXX ( uploaded ) on XXXX. Again, the receipt I received from XXXX, uploaded, reflects {$0.00} owed upon termination of the rental. To avoid unnecessary impact to my credit, I paid the debt of {$93.00} over the phone with the help of TSI employee XXXX XXXX on XX/XX/XXXX - confirmation # XXXX. I do not believe I actually owe anything, as the receipts I received from XXXX indicate {$0.00} owed and I was never contacted by them for anything owed. Therefore, I would like a refund of the {$93.00} I paid on XX/XX/XXXX. Thank you
Company Response:
State: CA
Zip: 96150
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: -On XX/XX/2023 I was sent a letter alleging a debt owed. -I 've also received multiple harassing phone calls. -This debt is regarding technology equipment from a previous company which was returned via XXXX arranged by the company. I have added proof of emails that is attached to this. -A formal letter certified letter was sent on XX/XX/2023
Company Response:
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We received the attached bizarre collection letter for a " XXXX XXXX '' whom we don't even know who in XXXX that is. They have never even worked for our law firm, so clearly this collection agency needs to do their homework, due diligence, skip trace, and cease and desist from further harassing us. Thanks, XXXX
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter on XX/XX/XXXX that was dated XX/XX/XXXX from debt collector TRANSWORLD SYSTEMS INC. The letter stated that this collection agency was representing XXXX XXXX XXXX XXXX in XXXX, TN. in collecting the deliquent sum of {$3600.00} that covered six different bills I supposedly owed XXXX XXXX XXXX XXXX. I called the billing department for XXXX XXXX and a representative named XXXX told me I owed no such amount to this facility, had no bill in collections and that XXXX specifically doesn't use TRANSWORLD for any debt collection they do file against patients for unpaid bills. I recorded the entire conversation with XXXX and XXXX in the billing department. I called TRANSWORLD at the contact number on the letter of XXXX. The account number for the false debt is listed as # XXXX. After being on hold for one hour, a TRANSWORLD representative who would not identify themself immediately asked me for my account number which I gave him and he immediately asked me how I was going to pay for the amount owed to XXXX. When I told the TRANSWORLD representative that I had talked directly to the XXXX billing department and had them recorded stating not only do I not owe the amount stated on the letter but that their billing department doesn't use TRANSWORLD for collections in any way, shape or form. The TRANSWORLD representative became belligerent with me on the phone and said the information XXXX gave me was wrong and that if I didn't pay the amount listed on the letter, the debt would be reported to all three credit bureaus and ruin my credit rating. When I asked the TRANSWORLD representative if that was a threat to force me to pay a bill I don't owe, he stated it was fact and TRANSWORLD would do it. I immediately stated I would contact all three credit bureaus about this Fradulent bill plus contact my personal attorney. The TRANSWORLD representative stated he could care less what I did and either pay the bill or have my credit ruined by their company. I demanded a supervisor and the TRANSWORLD representative stated that he wasn't wasting a supervisor 's time on a debt that was owed by me. The representative immediately hung up on me when I asked for a supervisor a second time. Please assist me in stopping this collection agency from ruining my credit with a bogus medical bill that doesn't belong to me and I don't owe to XXXX.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My Name is XXXX XXXX and I am writing this letter in response to a wrongful debt collection received as of XX/XX/XXXX. The Debt in question has the following information : - PATIENT ACCOUNT # - XXXX - LETTER DATE - XX/XX/XXXX - AMOUNT DEBT - {$950.00} - REFERENCE - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - TRANSWORLD SYSTEMS INC I am filing this complain in regards to the charge issued by this XXXX for an XXXX that was conducted without my previous consent. I strongly dispute this charge and would like to provide further information about the circumstances surrounding this matter. On XX/XX/XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, for a XXXX XXXX. During this XXXX, I was explicitly informed by the staff about the XXXX XXXX and the procedure to move forward with the test which included ( as per the consent signed on that day ) : 1 - The XXXX would reach out to inform the cost of the exam. XXXX - Upon receiving that information, I would then need to approve the test by providing the XXXX a written approval and consent for the XXXX to be performed. The consent signed on that day had a clause that reads : A separate consent indicating an estimate of your potential cost share will be provided for your acknowledgement. Both consents must be signed to proceed with the testing. After a couple days, I received a call from the XXXX in which the representative affirmed that they were not sure how much the test would cost me saying it could be anywhere from {$50.00} to {$950.00}. Based on that extremely inaccurate information, I DID NOT give them the approval to proceed though the phone not to mention in written. Despite my clear instructions, the staff proceeded to conduct the XXXX XXXX without my consent or authorization. As a result of this breach of trust, I not only feel violated but also deeply disrespected. My privacy and autonomy were not respected, and the rules established on the clause were not followed accordingly. I have called the XXXX multiple times, spoken with a representative named XXXX. I've already sent a letter to them requesting the bill to be cancelled, and they ended up sending the amount to the above mentioned debt collector. I hope that this matter can be resolved in a timely and satisfactory manner. I appreciate your attention to this issue and look forward to hearing back from you as soon as possible. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Transworld Systems , Inc has misrepresented XXXX and sent a debt collection letter to my place of abode on XX/XX/2023 requesting that I respond to their debt collection letter by XX/XX/2023. I sent a cease and desist letter with other documents that showed I paid the full balance. On XX/XX/2023 I attended a USPS location and sent them this information through certificate mail. It is currently now XX/XX/2023. XXXX XXXX signed United States Postal Service certified mail green domestic card and returned it back to my place abode XX/XX/2023. Under U.S.C. 1692 G and other debt collection practices Act rules. I requested Transworld Systems, Inc to send me original records of me and them doing business in Washington XXXX DC. They failed to comply with my demands and it is an violation. I'm submitting evidence that I replied to their debt collection practice and they didn't send me anything to my place of adobe. This corporation was not suppose to contact me because I paid the bill. Look at all 6 supporting documents it will show Transworld Systems , Inc and XXXX were both wrong for trying to scam me for additional money after I paid the bill.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This person is very rude every time I talk to him. Today, he was extremely rude. This is what he said : " it's your debt, not mine. '' Like why you would you say that to someone? Very rude! It's stressful enough to experience this.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft : TRANSWORLD SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX
Company Response:
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent in a letter to the Transworld Sytems to validate debt. The debt amount was for {$1100.00} to XXXX XXXX, from XXXX. They received the validation letter on XX/XX/XXXX. They Never sent a letter back to validate the debt. When I called them they continued to hang up on me. Then gave me the run around and then hang up on me again. They have failed to removed the debt after not responding within 30 days.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: You are in violation of Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) as well as Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulatory protections to consumers, as you are collecting on a debt that is invalid/fraud, used abusive and harassing collection tactics during a phone interaction, and incorrectly reporting a collection account that I have no knowledge of due to it being invalid/fraud as well as never having permission to use my personal private nonpublic information to open said account. I noticed on my credit report that you are incorrectly reporting a delinquent account with the original creditor for XXXX XXXX. Concerned I contact you all via phone on XX/XX/2023, I was informed through abusive/harassment tactics by a representative that I was delinquent for a light bill in the amount of {$1400.00}. I requested for the service address and was given XXXX XXXX XXXX XXXX, TX XXXX. I advised this is fraud as I have lived at my current address since XX/XX/2023. I have never lived in or even visited XXXX Texas. The representative requested my current address so I could obtain a current bill and file a police report. Not feeling comfortable I advised I would not give this information. Through out this interaction he continued to intimate and coerce me into giving current information. I highly encourage you all to listen to the call interaction that I am most certain was recorded because the representative is your company and you all have attempted to collect a debt that is unfair, fraudulent, and false. Transworld System Inc has used abusive tactics to intimidate, coerce, and force me to give a current address to send a bill so I could file a police report for fraud. The representative made a comment of How will I file a police report if I didnt have a statement. This statement is a form of coercion, intimidation and constitutes abusive acts/practices. He wanted me to give current information and made this statement to mislead, tricked, coerced, and intimidated into giving my current address by continuously requesting current information. You are also violating FCRA as Transworld System Inc is furnishing/reporting incorrect and false information to my consumer reporting agencies. I demand an investigation of this dispute regarding this information that is being furnished to my tradeline and notify me of your findings. Transworld System IncXXXX XXXX did not have my permission to open this account in my name with my personal private nonpublic information to include my date of birth and social security number. You are also in violation of the XXXX regulatory protections as your incorrect/false/fraudulent reporting on this account has caused financial harm to my credit tradeline by impeding me in obtain favorable credit reporting and credit approval with other creditors. This negative reporting has significantly dropped my credit report and I demand it be immediately removed.
Company Response:
State: TX
Zip: 76052
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A