Date Received: 2023-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had opened a phone account with XXXX for my ex spouse on XXXX XXXX, 2021. I made the first payment for her soon with in the next month we separated and have been going through the divorce process for over a year now she was supposed to pay her phone bill every month. I moved and have just received this bill in the mail from a debt collector. I'm willing to pay the cancelation fee to settle this, but I was unaware this wasn't being paid and if the phone was not used since XXXX shut it off and I had sent my other phone through the mail to XXXX because they had a deal on trading your old phone for a new one garranteed {$1000.00} trade value. I put the sticker I received from XXXX with address stamped on it on a box with my old galaxy note phone and dropped it off at ups to be delivered to them so I don't think I'm responsible for {$1100.00} I will pay for the cancelation fee in order to get this off my credit.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TRANSWORLD SYSTEMS INC. attempted to collect a debt from me that was not mine. This resulted in a significant hit to my credit score and an unnecessary effort on my part to resolve this issue.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter from Transworld Systems Inc ( debt collector ) on behalf of a former employer, XXXX XXXX. The letter stated I owed {$5900.00} but didnt explain why. I also never received any notice directly from XXXX XXXX requesting payment. My credit score could be impacted without me knowing why.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection Agency TSI-TransWorld Systems Inc. is trying to collect a debt for a landlord ( XXXX XXXX, prev. XXXX XXXX ). Landlord & I were litigants for referenced debt which involves Security Deposits I paid and damages landlord alleges. I, the consumer, won the case but the Landlord had already placed the debt in collections and ( to present date ) still refuses to allow the debt removed from my credit files. TSI indicates Landlord did not respond to several attempts for information. TSI will not remove debt because they want to be paid from Landlord or consumer. I have the Case History from the Official County Clerk website, showing I won the case and this debt should have been removed from my credit files in XX/XX/2021 after the Judgment was entered. For over 4 years, I have tried to get XXXX XXXX and TSI to remove the debt but they both refused. This bad debt with collection agency has had a detrimental effect on my credit score and my ability to obtain desired housing. Each time I tried to resolve, TSI informed that creditor ( Zone ) has 30 days to respond but informed me creditor does not have to respond at all. This is unfair to me as a consumer. They should have to respond or remove the debt entry.
Company Response:
State: AZ
Zip: 85304
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX, XXXX XXXX PA., XXXX, sent me a letter stating that I owe XXXX {$2300.00} for overpaid XXXX. This is not true. XXXX sent me a letter stating that I have no financial liability to them when I was laid off. I sent this document to them. Their letter was dated XX/XX/2022, 3 years after I left XXXX.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone has used my name and SSN to purchase a product or service from a company called XXXX XXXX XXXX XXXX for a sum of {$1100.00} back on XX/XX/XXXX. This debt was turned over to a collection agency, Transworld System, which in turned flagged a notification with my monitoring service. I have contacted both and was told that I must file a report with my local police and file this report with you as well. XXXX XXXX was not able to release to me what method the imposter was trying to charge the debt ( XXXX, XXXX XXXX or such ). I am concerned that there are going to be more debt notifications to come from these people. The charge was placed to a residential address in XXXX Texas. I have never lived in Texas and have been at my current residence since XXXX.
Company Response:
State: VT
Zip: 058XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TRANSWORLD SYSTEMS INC had purchased a debt from XXXX XXXX XXXX CO and is now attempting to hold me liable. I do not have any contract with TRANSWORLD SYSTEMS I and no obligation to pay, offset or discharge any debts not owed to them. I've asked for the Original contract with wet ink signature identifying the liable party making a claim that I owe a debt ( to them ) yet I have not received anything. This has negatively impacted my credit score. The amount of {$86.00} is attempting to be collected from a man but no other wo/man has identified themselves as the owed party.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX didn't provide any written letter regarding my right to dispute the current debt at hand.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Didn't receive debt validation letter
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A