Date Received: 2023-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TRANSWORLD SYSTEMS INC. is claiming I owe {$44.00} to XXXX. The United States of America government is responsible for all debts under the the House Joint Resolution 192 & 18 USC 8 : Obligation or other security of the United States
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Transworld a debt collector called me yesterday ( XXXX XXXX XXXX ) to notify me that a past utility bill from XXXX XXXX XXXX for over {$1000.00}. I called them today ( XXXX XXXX XXXX ) and asked to receive written proof of the debt and confirmation that I have 30 days to respond regarding the debt. They said that they sent written notices to me in XXXX which I never received. I requested that I still have 30 days to respond and they said we sent you notice in XXXX. The conversation went around in circles.
Company Response:
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Some one opened an Electric Utility bill in my name and now it's in Collections. The Collection company is XXXX XXXX XXXX ( XXXX XXXX XXXX ) The Utility bill was opened in Texas and I have never lived in Texas.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83815
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Didn't provide services promised
Subissue:
Consumer Complaint: In XXXX of XXXX, I saw a collection reporting from XXXX. I called XXXX in XX/XX/XXXX and they advised me that my debt was with a creditor called XXXX. I called the number they provided and settled the debt for {$610.00} and the payment came out of my account on XX/XX/XXXX. XXXX advised they would delete the debt from my credit report. In XXXX of XXXX the debt reappeared on my credit report and I started getting phone calls from another collection agency, XXXX. I advised them the same information that the debt had been paid but they said XXXX had sent my account to their collections department. I then called XXXX and they had no record of my debt, despite providing them proof of the bank statement showing my payment going to them. I then called XXXX, they didn't even have a record of me. It took 30 minutes for the agent on the phone to find some of my information and she said they had never received any payment. They advised to send an email to their billing/collection department so they could " investigate '' and they would respond in XXXX hours. I emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We have never received a response of the validation of the debt which is required to be provided within 30 days or the debt must be deleted. Today, XX/XX/XXXX, my fianc received a phone call from Transworld systems Inc, looking for me. She provided my number to them. I called them and requested a validation of debt and was hung up on. I have also sent them the email of showing proof of the payment made to XXXX in XX/XX/XXXX and requested validation of the debt. We never received a response. I have settled this debt and was told it would be removed or at the least show as paid. It has impacted my credit score and my ability to refinance my house, it is affecting my livelihood and neither creditor or XXXX has fulfilled a validation of the debt or investigated properly that this debt was settled and paid. The problem is, now the debt has been paid yet we have no proof of the debt being paid by either party. They have harassed me and my family and we need this matter settled as there really is no entity holding these parties accountable for collecting payments from consumers. I am happy to provide the proof of payment of forward the emails sent to the parties. XXXX advised us to send proof of the payment to an email and they would provide that to XXXX. On XX/XX/XXXX we provided XXXX proof of the payment to the previous debt collector and they have not responded and the phone reps have no answer. We have emailed XXXX 3 times with the same proof of payment and they will not respond to that either. When we call XXXX they will transfer us to XXXX XXXX. I have submitted the proof of my bank statement showing the debt being paid in XX/XX/XXXX to XXXX when they held the debt for XXXX.
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld systems inc, XXXX XXXX. This account is not mine, I have successfully disputed before but they just keep changing the company used to report the debt and try to collect on SOMETHING THAT ISNT EVEN MINE!!!! I have zero absolutely zero to do with this account Ive asked for proof Ive asked and asked nothing, growing very upset.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection from a collection agency named TRANSWORLD SYSTEMS INC. They are asserting that I owe them {$310.00} for a debt with XXXX XXXX. I do not owe XXXX XXXX nor Transworld any money. Now this has severely affected my credit.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX, and XXXX are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting XXXX XXXX XXXX XXXX and Transworld System to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974. I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. GLBA does not apply here so do not even come with that rebuttle. XXXX XXXX XXXX XXXX, and Transworld Sytem have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, CUSIP number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. XXXX XXXX Commission File Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They keep saying there reviewing it I have called three times it is still in review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). TRANSWORLD ( Original Creditor : XXXX XXXX XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt hit my credit i did not live in XXXX XXXX at the time of service for XXXX. In fact ive never had XXXX before. And i live in XXXX
Company Response:
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A