Consumer complaint received 2021-06-24
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I called XXXX XXXX  at XXXX PST ( XXXX ) and spoke for 4 minutes. I identified myself with the account number XXXX XXXX XXXX XXXX XXXX ]. I was asking for the details of the account Like when the account was opened, closed, charge-off, and sent to collections, I was informed that they could not provide me with that information and that I was to call TSI at XXXX XXXX ]. The call ended shortly after, and I proceeded to call TSI On XX/XX/XXXX I called TSI at XXXX PST XXXX XXXX ) and spoke for 16 minutes. This call was recorded by both parties. I was informed that it was an attempt to collect a debt once I identified myself. I was informed that the balance was {$11000.00} and I asked why the balance on the credit report ( {$10000.00} ) was different from what youre telling me now? and was informed that it was their one-time collection fee of {$1900.00}. 
Is this collection not in violation of 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

The Statement does say that the balance will not reflect what those collections fees are. This is also a violation of my state law which does not allow this fee unless Nevada-collection fee must be either added to principal balance by the creditor before assignment to collection, or added to the principal by the collector and described as such in the first written communication with the debtor When I asked what the dates of the account being opened and closed, he informed me that the account was closed in XX/XX/XXXXand last date of payment was in XX/XX/XXXX. I then asked if there was another account because that account was paid off. He Proceeded to tell me that he would start a dispute and get that information to me. Im not sure why this hasnt happened before from the countless disputes that I have sent to the credit bureau over the years regarding this account? I have a credit report from XXXX when they claim this account entered their office, and it shows the account that was described as paid with a {$0.00} balance. 

This credit report is my proof that I do not owe this debt that they are collecting on, and I would like it removed from my credit report immediately, Although TSI claims they do not report, they are trying to collect on an invalid debt and this ruining my life. The best answer that I have been given was this is federal debt. Does this mean that they DO NOT have to follow federal guidelines and regulations?

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you mailed me Collections notice via mail and not a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation