Debt collection -- Written notification about debt -- Complaint #8193611

Complaint Overview

Complaint ID: 8193611

Company: Transworld Systems INC

Product: Debt collection

Sub-Product: Telecommunications debt

Issue: Written notification about debt

Sub-Issue: Didn't receive enough information to verify debt

State: Maryland

ZIP Code: 20601

Date Received: 2024-01-20T12:00:00-05:00

Date Sent to Company: 2024-01-22T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/2022, I returned my XXXX XXXX equipment to the XXXX XXXX XXXX store to close my account. I notified the customer service agent that I would be moving and wanted to pay any remains balance that day. He gave me a receipt for my returned items and I left. I never received a balance or receipt of a balance. I also notified him of my new address, which is on my drivers license. After I closed my account, I spoke with a representative about the remaining balance that was required to pay. I was told that I would be able to pay the remaining balance on my XXXX app. My XXXX account was soon locked and I was unable to access the application. I made repeated attempts to contact XXXX by phone, but I was never able to pay the remaining balance because I was told that the account was now closed. For several months, I would attempt to contact XXXX XXXX and was given an automated message for hours. When I was able to reach a customer service agent, they could not access my full XXXX account number and told be I would receive emails or letters to correspond with the remaking balance. I moved to a new address and did not receive any mail attesting to the remaining balance from XXXX. I finally received a phone in XX/XX/XXXX from TSI, a collections agency, and agreed to pay a reduced amount of {$110.00} to settle to the debt collection of {$130.00} and remove the delinquent payment from my credit score. I paid the balance of {$110.00} by phone. I received no receipt following our correspondence via email or by mail to my new address. The representative notified me that XXXX would be notified in two business days of the resolution. On XX/XX/XXXX and XXXX, I received calls from another collections agency with the phone number ( XXXX ) XXXX regarding a debt from XXXX. When I notified them of my recent payment, I was told by the customer service agent on XX/XX/XXXX that the matter had not been resolved and I needed to provide him with my routing and account number to pay the remainder balance. I was very anxious and scared by his comments and began to doubt the validity of the call. I have been a XXXX XXXX customer for 10 years and have never experienced an ordeal like this. I have never missed a payment and feel some of these actions have been predatory in nature. I didnt not receive the proper correspondence or notification of my debt for the opportunity to resolve it. Further, my credit score has been adversely impacted and I fear my personal banking information is now widely available to several entities.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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• Transworld Systems INC Company Profile
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