Debt collection -- Communication tactics -- Complaint #4632323

Complaint Overview

Complaint ID: 4632323

Company: Transworld Systems INC

Product: Debt collection

Sub-Product: Other debt

Issue: Communication tactics

Sub-Issue: Used obscene, profane, or other abusive language

State: Michigan

ZIP Code: 493XX

Date Received: 2021-08-15T12:00:00-05:00

Date Sent to Company: 2021-08-15T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/2021 I received a letter from Transworld Systems Inc. In attempt to collect a debt on behalf of XXXXXXXX XXXX XXXX XXXX, Account number XXXX XXXX with a balance of {$2000.00} ; in which I responded asking for them to provide me with the 5 things that constitutes validating a debt, and even thats not validation but nonetheless an allegation unless I agree pursuant to 15 U.S. Code 1692g - Validation of debt ; I continued to respond by Denying all allegations and to cease all contact with me on XX/XX/2021. Transworld Systems Inc. contacted me on several Occasions after telling to cease all contact with me, on XXXX XXXX in which was all on a recorded line, A debt collector for the company TSI by the name of XXXX admitted to fraud by telling me that 1. this was an attempt to collect a debt and 2. that she received my information from someone who I did NOT give permission to give my information to anybody which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I proceeded to ask XXXX if there was a senior executive that I could speak with but I was told that I was speaking with the only person who could help me and that she's not aware of these federal laws stated and that if this alleged debt wasn't paid then an attorney would get involved which would result in a negative furnished to my consumer credit file and fines ; which is a violation pursuant to 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. TSI contacted me again on XX/XX/XXXX, XXXX at very inconvenient times that I explained to them I was headed to a funeral, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection " ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Pursuant to 15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of such additional damages but not exceeding {$1000.00} per violation.

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