Debt collection -- Took or threatened to take negative or legal action -- Complaint #7873113
Complaint Overview
Complaint ID: 7873113
Company: Transworld Systems INC
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Texas
ZIP Code: 77515
Date Received: 2023-11-18T12:00:00-05:00
Date Sent to Company: 2023-11-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TSI Solutions, or Trans World XXXX, has taken liberties with the slow moving wheels of our civil jurisprudence system. They customarily violate consumer protection laws knowing consumers will suffer adverse reporting while cases wait on lengthy dockets. Here, they are initiating collections efforts on a debt that has not passed yet from the original creditor. I settled the debt with the creditor, evidenced here, then awaited final invoice. The original creditor is XXXX XXXX, a XXXX XXXX. " Good afternoon, XXXX XXXX, I want to apologize for the delayed response regarding the early termination waiver. We are still honoring our agreement for the early termination fee. We normally do not waive the early termination fee prior to receiving final payment. However, we were able to receive approval to waive the early termination fee at this time. As previously discussed, this will leave a balance of {$280.00}. Once we received confirmation that the early termination fee is waived off the account we will advise when the new bill will be generated. '' Notwithstanding my swift turnaround of notice, TSI called my office twice, as if attempting to avoid my availability by disregarding my note of hours, then a third time on Saturday, XXXX. I thankfully answered and a highly disrespectful man insisted I validate information on a personal business matter. I did so knowing who it was. Then, abruptly, the man stated he would call back tomorrow without giving a reason. I asked if he could explain but the man hung up immediately. I acknowledged with XXXX, or XXXX, that a negotiated balance was due. I further agreed to remit. There is a delay in processing payment to XXXX. However there is XXXX justification for TSI to insert themselves. It should be noted that TSI has formerly attempted collection twice on fraudulent, time-barred debts for pay day loans proven to be both uncollectable and at least XXXX years out of the statute of limitations. I had no knowledge of these accounts, they agreed to remove the accounts, then apologized. Yet 6 months later, TSI returned with a letter attempting again to collect. It would be prudent to note TSI has stated forthright their inability and unwillingness to comply with state law in writing. I hold these letters as evidence in a former complaint. Consumers and creditors alike must actively avoid TSI as significant losses are undoubtedly occurring as these novice, aggressive, haphazard efforts to collect frivolous and in my case fraudulent debt have also harmed their creditors reputations in selecting them as intermediary, or final enforcement of debt. They are best known for exploiting tribal lenders under tribal jurisdictions and acting as purveyors of false compliance rules. They misrepresent the law, rules, and in fact, lower the bar for a highly challenging customer facing community charged with a difficult task. I will absolutely not work with XXXX ( XXXX XXXX XXXX ) as they are highly risky, unknowledgable in their trade, unsafe with sensitive data, and the subject of intense civil and potential XXXX conduct. Caution to XXXX XXXX in future use.
Frequently Asked Questions
What is Complaint #7873113 about?
Complaint #7873113 was filed against Transworld Systems INC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-11-18T12:00:00-05:00.
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.