Debt collection -- False statements or representation -- Complaint #14696322
Complaint Overview
Complaint ID: 14696322
Company: Transworld Systems INC
Product: Debt collection
Sub-Product: Rental debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: New York
ZIP Code: 100XX
Date Received: 2025-07-15T12:00:00-05:00
Date Sent to Company: 2025-07-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I signed a service agreement in XX/XX/XXXX with XXXX for monthly office rental payments of {$540.00}. In XX/XX/XXXX, I was issued an invoice for over $ XXXX 12 months of charges in advance through XX/XX/XXXX. This change was made without my authorization. I immediately disputed the invoice and contacted XXXX, who acknowledged that the billing change was made in error but insisted the invoice could not be adjusted unless I paid it in full. Between XXXX and XX/XX/XXXX, I continued to pay monthly as agreed. XXXX acknowledged the billing error yet refused to correct the invoice or restore monthly billing unless the full annual amount was paid. This denied me access to the billing terms outlined in my contract. Despite receiving multiple payments and confirming the error originated within their system, XXXX failed to issue corrected invoices. Due to this breach and the ongoing disruption to access, I formally terminated the agreement via attorney-written notice in both XXXX and XX/XX/XXXX. XXXX acknowledged receipt of the keys and termination notice in XX/XX/XXXX. Despite this, XXXX referred the full disputed amount to Transworld Systems for collection. On XX/XX/XXXX, I mailed Transworld a debt validation request under the FDCPA, asking for a breakdown of charges, a copy of the signed agreement, and documentation authorizing the billing change. Transworld responded with only a copy of the disputed invoice and did not provide the legally required validation. The invoice includes charges through XX/XX/XXXX for a space I no longer occupy, under a contract that was lawfully terminated. Collection activity on a disputed and unvalidated debt continues, in violation of my consumer rights under the FDCPA.
Frequently Asked Questions
What is Complaint #14696322 about?
Complaint #14696322 was filed against Transworld Systems INC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-07-15T12:00:00-05:00.
How did Transworld Systems INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Transworld Systems INC?
Yes, visit the Transworld Systems INC company profile at readthecomplaint.com/company/transworld-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.