Debt collection -- Attempts to collect debt not owed -- Complaint #6245636
Complaint Overview
Complaint ID: 6245636
Company: Transworld Systems INC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Delaware
ZIP Code: 19720
Date Received: 2022-11-27T12:00:00-05:00
Date Sent to Company: 2022-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is not a refusal to pay an alleged debt! TRANSWORLD SYSTEM INC claims that I am obligated to pay them an alleged debt associated with account # XXXX. TRANSWORLD SYSTEM INC shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If TRANSWORLD SYSTEM INC can not provide the original instrument or proof that it still exists, then TRANSWORLD SYSTEM INC shall send me an original statement affirming that TRANSWORLD SYSTEM INC did not sell the original instrument because if TRANSWORLD SYSTEM INC didn't sell the original signed instrument of indebtedness ; then TRANSWORLD SYSTEM INC should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when TRANSWORLD SYSTEM INC produces the original instrument or proof that it has not been sold, which proves that I am obligated to pay TRANSWORLD SYSTEM INC. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX, and TRANSWORLD SYSTEM INC that shows I agreed to do business with TRANSWORLD SYSTEM INC XXXX with DELMARVA POWER or on behalf of XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Frequently Asked Questions
What is Complaint #6245636 about?
Complaint #6245636 was filed against Transworld Systems INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-11-27T12:00:00-05:00.
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.