Consumer complaint received 2023-05-17
Company: TRANSWORLD SYSTEMS INC
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX, misrepresented information in response to a complaint dated XX/XX/2023 by stating I gave clear authorization for them to create a personal check and for it to be signed via contract. This was via a response letter dated XX/XX/2023. The response letter states they take these matters very seriously. I have not received one phone call ( or voicemail ) from XXXX XXXX XXXX from their department or point of contact who deals with CFPB complaints. Its hard to want to call them and speak with them before submitting this complaint because they lied on this report. It doesn't seem they really reviewed a phone call on XX/XX/2023 because I do not recall giving them a very clear verbal authorization, following the company 's protocol for verbal authorization. I recall telling them that when a date became available that was suitable in the future I would pay it and set it up online myself. I honestly do not recall telling them to authorize a check, I mean I would need to hear the phone call. The reason to postpone payment was due to having a newborn and having permanent and total XXXX as my only source of income. That is all I recall occurred on XX/XX/2023. However, that phone call is evidence and should not be changed or circumvented pending other outcomes. 

Additionally, I am providing documentation to the XXXX XXXX XXXX XXXX XXXX over this matter, to be finalized as they previously requested. 

I am not finished preparing my federal forms to submit to the XXXX XXXX XXXX XXXX and have not discussed anything with XXXX XXXX XXXX to settle this/ come up with a solution we can all agree upon over the phone. 

However, there is another element to submitting a congressional inquiry to my congressmen and senator in regards to XXXX taking advantage of the contract they have with the XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry is questionable as to whether or not I will use their separate investigation to submit as a court record or if I should contact the XXXX and XXXX XXXX XXXX or further inquire on the FTC 's record of XXXX and their misconduct as XXXX was previously fined by the FTC. I am not finished submitting my forms to those congressional offices as well. 

Resubmitting the same check after I notified XXXX of this pending inquiry in the past is clear documentation as to what I suspect to be fraud. XXXX XXXX state this is questionable or some misunderstanding. But they sure did not clarify that recently as one of the representatives I spoke with in the month of May told me no payment was authorized by me or submitted on my behalf as a result of a phone call, which seemed accurate. 

Its not a question of whether or not I am able to repay a debt. I wanted to pay this debt in full, but at the time it was extremely difficult to pay a debt as the only source of income I receive is from a permanent and total XXXX. Then, I see a paper check pending in my bank account in the beginning of May and yes, I was very upset about that. I am glad the check bounced as it would have left me and my children without food and electricity. If these hardships would have been overlooked and we cant remedy the situation for loss of food, we could starve. 

Please not the company 's response previously is evidence for every inquiry and complaint I am submitting. And I am also noting no contact has been made with me over the phone to discuss other options. I am only responding to their response here on the CFPB as no communication outside of this interaction was made to me.

Company response to consumer: Closed with explanation