Consumer complaint received 2022-02-18
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a service from XXXX XXXX XXXX from mid XXXX up until XX/XX/2021. I was then charged for services in the month of XXXX after the service was suspended due to no payments made for the services for the month of XXXX and XXXX. However, that is not the issue that I am going to bring to the attention of the CFPB. I know I owed them money for the months of XXXX which i used the services for half the month and XXXX I did not use the services at all, but i did not notify them that i wouldn't be using their services anymore. The issue is, on XX/XX/XXXX I received a letter from a debt collection agency by the name of the Transworld Systems Inc. After finding it very odd that I was being charged in the month of XXXX by XXXX after my services were suspended, I reached out to them in regards to being charged for XXXX. While I was talking to them I asked them about the debt collection agency that they sent me to. I asked them what we could do to make sure that it doesn't affect my credit score. I then called the number for the debt collection agency to try to resolve the debt. I first called the number that was stated on the top right corner of the letter. When I tried to call the number it immediately went to voicemail and stated that their normal business hours are from XXXX Est. Monday through Friday. I thought it was very odd that I was unable to get ahold of a debt collection agency on a normal business day. I then googled the address that is also found on the top right corner of the letter. I found a different number to contact, so I called that number. While speaking to a gentleman I gave him the reference/account number that is stated in the letter. He stated that their account numbers are 6-8 digits long. Mine was 10 digits long. He was unable to find my account and then I verified my full legal government name with him to find the same result I did not exist in their system. I found it very odd that I am calling a debt collection agency and they're telling me I don't exist in their system but I am receiving a debt collection letter from them. I called XXXX XXXX XXXX back to ask them how I received a letter from Transworld Systems Inc. for a debt yet I don't exist in their system. I was asked by a gentleman named, XXXX, " What is my goal? Am I trying to start a payment plan? '' I asked him why would I be trying to start a payment plan with you guys if you have already turned me over to a collections agency? Why would I pay XXXX XXXX XXXX when you guys sold the debt off to a collection agency correct? He then put me on hold to speak to one of their " financial guys '' after being on hold he came back with a different account number. Not knowing that the collection agency only uses 6-8 digits for reference account numbers he gave me another 10 digit number. At this point I think he is lying to me about the debt being turned over to collections. I believe that they sent me the deceiving letter acting as a debt collection agency, which is a federal offense. I want a full investigation on XXXX XXXX XXXX for mail fraud. Calls were recorded when I spoke with Transworld Systems Inc.

Company response to consumer: Closed with explanation