Consumer complaint received 2019-09-19
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Prior to XXXX XXXX I had payment arrangements in place. The payments were taken from same credit card after XX/XX/2019, BEFORE XX/XX/2019, TSI did not have permission to contact me by phone because I stated it would cause problems with my XXXX. But because I was having communication issues and had a problem with my credit card before I respectfully told TSI about my concerns, my XXXX, and wanting to have a good line of communication to prevent any misunderstandings ; I gave them permission to please contact me to reinsure security of my account. But I asked them to respect, understand, note, my XXXX issue and please contact me after XXXX hour. 
On or around XX/XX/2019 TSI tried taking payment from the credit card on file. I had made a mistake and forgot to put payment on my account that week. I had a two court appearances on XX/XX/2019 and XX/XX/2019. For  some reason the stress related to my case causes me to become ill after. However I forgot and didnt pay. 
I realized the mispayment the following week around XX/XX/2019.

On or around XX/XX/2019 at about XXXX ( I was intending to call after XXXX when I thought they were open. In the past I usually contact them to confirm payment and discuss my account they did not have permission prior to then to contact me by phone ). 
The Agent was rude, would not identify herself, disrespectful at XXXX XXXX. The Agent misrepresented my Delinquency. Misrepresented and said I had not paid in months. At this time I should have been 8 days behind. 
After getting misrepresented information, and a negative agent I responded by telling her I have to confirm my last payment date. Because I knew I did use an alternative account once. 
I checked my records and confirmed I made a payment in XX/XX/XXXX and the only payment missed was XX/XX/XXXXand returned a call to TRANSWORLD SYSTEM Inc. I talked about the the payment confusion. The negative agent, and my XXXX and asked to speak with a manager. 
After several phone attempts I spoke to a better Agent or manager, told them of my issue and was able to set up a payment to be taken out on XX/XX/2019. 
However, for some odd reason my credit card information was incorrect. I have used the same credit card information several times before. 
By coincidence after complaining about my experience, they werent able to take payment. After checking with XXXX XXXX the reason was because the wrong expiration date was given. TSI enters this information. 
On XX/XX/2019, after noticing the payment had not been drafted I contacted TSI to find out why. 
Their response was that they werent able to collect payment, and they are now proceeding with garnishment. I then verified with them and my bank why the mishap happened. TSI refused to take any responsibility of what is going on.

I also asked TSI to please verify the Debt. I have not received TRUE VERIFICATION. TSI has mislead, misrepresented my payment history several times. TSI has misrepresented the actual Origin of the Debt terms. TSI was abusive, mean, untrustworthy, after I allowed them to contact me for the first time by phone on or around XX/XX/2019 and after. 
I believe they were offended by my complaint. Have retaliated against me by pursing garnishment and would like to know why my Credit Card Information was in correct on XX/XX/2019. 

TSI did not give me other options to pay to protect my identity. Did not fully brief me about proceeding to garnishment if the payment didnt post properly by XX/XX/2019. 
On XXXX XXXX I made a courtesy call to find out what happened. At that time I was threatened and told I exhausted my options, and its nothing I can do. 
I believe I am a victim of FDCA, they are violating their use of authority. 
I am a FRAUD VICTIM. My credit card has been compromised and changed more than 4 times this year. I have extended FRAUD ALERTS on my account. 
I do not fully know if my FRAUD ALERTS, are causing issues with them collecting payments. If its the Automated System,  or a disgruntled employee. However the money was on the account prior to XX/XX/2019 and still there on XX/XX/2019. I verified the reason why the transaction failed with TSI and XXXX XXXX on a 3way call. 

There was no resolution : 1.TSI is in violation of FDCA 2 . TSI are using abusive Communication Tactics. 
3.TSI are making False and misrepresented information 4. TSI Isnt being truly forthcoming concerning the Debt, and collection of the Debt 5. I have not received proper VALIDATION OF DEBT I have attached a copy of my Fraud and IdentityTheft and Two past payments taken from same account that was attempted on XX/XX/2019

Company response to consumer: Closed with explanation