Consumer complaint received 2019-12-16
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
On XX/XX/2019, I signed an agreement with XXXX XXXX, XXXX XXXX XXXX # XXXX, Field Inspector ( salesman ) for termite tent system priced at {$4200.00} and bait defense system ( subterranean termites ) priced at {$900.00}. A personal check # XXXX for {$5100.00} was handed to him. On XXXX a roof inspector sent by XXXX found 8 broken tiles. On XXXX the tent was placed over my house for fumigation purposes, on XXXX, post fumigation, the tent was removed. On XXXX and XXXX XXXX acknowledged via e-mail payment of {$900.00} and {$4200.00}. On XXXX the same roof inspector found " 208 tiles broken of overage '' recommending repair for {$6800.00} at " XXXX special price '' commenting 50 tiles " to be covered by XXXX insurance ''. I was out of the country from XXXX through XXXX, 2019. In early XXXX a billing statement for payment overdue dated XXXX for {$900.00}, {$4200.00} and {$540.00} was mailed to my home. On XX/XX/XXXX I received a second payment overdue statement for {$4200.00} for tent treatment, {$900.00} for termite bait treatment and {$540.00} for roof related repair. I phoned and tried to contact XXXX XXXX, XXXX sales manager, and details are memorialized in the attached letter dated XX/XX/XXXX and XX/XX/XXXX. On XXXX I received a XXXX bill " amount due immediately {$540.00} we may report information about your account to credit bureau. Since then I have phoned XXXX XXXX on XXXX and XXXX. I left messages on his phone but he never returned calls. On XX/XX/XXXX, XXXX from XXXX XXXX call in center called me requesting payment. I replied that I need to talk to a supervisor. The call was transferred and placed on hold and cut off without talking to anyone. On XXXX I received a collection invoice from Nationwide Credit , Inc., XXXX XXXX XXXX, XXXX  XXXX, Iowa XXXX originated by XXXX XXXX Account # XXXX for {$5000.00}. On XXXX I phoned the Federal Trade Commission for assistance and I am following their advice. On XXXX the CFPB mailed me forms Re : Complaint Number ( s ) XXXX. On XXXX I phoned XXXX representative XXXX, XXXX from the XXXX answered. I told her my concerns and she will connect me with XXXX XXXX, Division service coordinator, and she phoned me from XXXX Arizona at noon time that day. Details were given including invoice debt dispute for {$540.00}. On XXXX I mailed a letter to Nationwide Credit , Inc. notifying that I am disputing the validity of the debt. On XXXX at XXXX, XXXX from Nationwide phoned me requesting payment for {$590.00}. I told here that I had sent a letter disputing the debt. On XXXX I mailed Miss XXXX a request to talk to her. She returned my call promptly and I told her that I would email a copy of my letter to XXXX XXXX dated XXXX and second request dated XXXX with additional details. ( see attachment ) On XXXX she acknowledged to have received above documents and has sent those document to XXXX XXXX, the branch manager, and XXXX XXXX, sales manager and said she will follow up with me in a few days. THE CENTRAL ISSUE is a bill for {$540.00} and as of XXXX {$590.00} for roof repairs on a collection invoice. The XXXX agreement I signed on XXXX, 2019 is completely silent and says nothing about insurance cost, coverage, exclusions for roof damage, roof related repair. My view is that XXXX representative behavior is tantamount to FRAUD followed by INTIMIDATION and most recently EXTORTION by demanding payment for a service never disclosed in the agreement and the expressed threat to ruin my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation