Consumer complaint received 2019-12-05
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attached three documents of which are all of the correspondence requests that I sent via e-mail to Transworld Systems Inc. ( TSI ),  using the e-mail address on their statement. The same was also sent directly to XXXX/XXXX XXXX XXXX. Every attempt went ignored. 

I will make this as short as possible as all of my questions and requests are in the three correspondence documents enclosed. First I have no idea who Transworld System Inc. is or why they are involved to begin with as I had an agreement with XXXX/XXXX XXXX to settle my account for {$3000.00}. For the past two years or more I have just assumed I was paying this agreed to amount directly from my bank account. I just so happened to open a letter from TSI that was sent to my parents address, a address that I have not even lived at for 6-7 years. I have several issues and questions regarding TSI : 1. Is TSI a part of the government  therefore allowed to be garnishing {$300.00} each month from my Social Security Disability ( SSDI )? 

2. This debt had not been paid on since at least XX/XX/XXXX which was the result of many XXXX/injuries sustained from my XXXX to XXXX about a year prior. Does this not fall into the law here in Oklahoma regarding the Statute of Limitations in regards to debt/collections which ranged from 3-5 years from the date last delinquent of which I was well past this timeframe when someone started garnishing {$300.00} per month from my SSDI benefits which should be protected to begin with even if this debt was within the Statute of Limitations of which it is not. 

3. My credit limit was {$6000.00} and on this letter that was sent to a residence that I havent lived in almost a decade shows I owe over {$9000.00} and the majority of what is being garnished from my federally protected pay is almost entirely going to interest like a big scam, taking advantage of a XXXX veteran and in turn this would take me another 10 years of paying {$300.00} per month on before ever paying this off. 

4. I want to know how much I have been garnished the past two years or more now. {$300.00} per month for two years would come to {$7200.00} which is {$1200.00} more than my {$6000.00} limit and {$4200.00} more than the {$3000.00} we settled on. The statement conveniently does not reflect any of this. 

5. What address was I allegedly sent any notifications or my rights to appeal? I have lived at XXXX XXXX XXXX. XXXX, OK XXXX since XX/XX/XXXX and I havent received anything there. 

6. Why has all of my correspondence and requests for information been ignored? I believe I have the right to ask these questions and be provided the requested information according to law. 

In closing if this debt that is being collected on is past the Oklahoma Statute of Limitations, I am requesting that I be paid back in full the {$300.00} per month that has been directly taken from my SSDI benefits for the past two years or more and still occurring monthly. I went delinquent in at least XX/XX/XXXX and started getting my SSDI garnished in XX/XX/XXXX which is 6 years, therefore, by Oklahoma law can not be legally collected on but that was ignored as well as garnishing my SSDI benefits which is supposed to be protected from such but that to was ignored. 

I have been barely minimally surviving living off of XXXX as the direct result of my time in XXXX and when I opened the letter it was like someone spit in my face and that my account somehow being {$3000.00} over my credit line after I have already had at least {$7200.00} garnished thus far and would take approximately another 10 years to pay off given the ridiculous interest rates being charged and then there is no way to question any of this as you just ignore it and you wonder why 22 veterans a day are committing suicide. This is one of those reasons, because we are sent off to war and come back to this, being taken advantage of to where I am living off of pay day loans just to survive and you are taking that much in interest each month. This is something I would see on XXXX XXXX XXXX with all the stories on ponzy schemes, con jobs and all sorts of bypassing laws to completely XXXX me over. 

I made my settlement with XXXX/XXXX XXXX and have never heard of TSI of which I believe is not a government agency and not allowed to have been garnishing my federally protected pay on a collections account that is over the Oklahoma Statute of Limitations and should be deemed closed, null/void, but I guess its easy to take advantage of someone with so many health problems that they are XXXX XXXX XXXX XXXX and when you send any correspondence to an address of which I havent lived in near a decade and then you ignore all correspondence and laws then it makes it pretty hard for a guy like me to be able to do anything about it. To me it is unethical and I not only request every single bit of correspondence regarding this debt immediately because I dispute everything you have been doing thus far and I am requesting that immediately I receive all pay illegally taken from me for the past two years or more and still continuing.

Company response to consumer: Closed with explanation