Debt or credit management -- Unauthorized withdrawals or charges -- Complaint #18146471
Complaint Overview
Complaint ID: 18146471
Company: Transworld Systems INC
Product: Debt or credit management
Sub-Product: Debt settlement
Issue: Unauthorized withdrawals or charges
State: Texas
ZIP Code: 75110
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I am writing in response to your claim that I owe a debt. This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Under this federal law, once a consumer disputes a debt in writing, the debt collector must cease all collection activity until proper validation is provided. I am requesting that you provide the following : Required Documentation Under 15 U.S.C. 1692g Verification of the alleged debt, including the amount Name of the original creditor A complete itemized breakdown of charges, fees, interest, and payments A copy of the original signed contract or agreement Proof that you are authorized to collect this debt in my state Proof of chain of assignment showing legal ownership of the debt The date of the alleged default and date of last payment Until these documents are provided, you are not permitted to continue collection efforts, including reporting the debt to credit bureaus or contacting me further, under 15 U.S.C. 1692g ( b ). False or Misleading Information 15 U.S.C. 1692e Please note that attempting to collect a debt without proper validation, or reporting inaccurate information to a credit bureau, may constitute a violation of : 15 U.S.C. 1692e ( false, deceptive, or misleading representations ) 15 U.S.C. 1692e ( 8 ) ( communicating credit information known to be false ) Cease Collection Until Validation Is Complete Per federal law, you must stop : All phone calls Letters Credit reporting Any collection attempts until full validation is mailed to me in writing. Please send the requested documentation to the address listed above. I will review the materials upon receipt. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18146471 about?
Complaint #18146471 was filed against Transworld Systems INC regarding Debt or credit management specifically about Unauthorized withdrawals or charges. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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 or credit management) 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.