XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, D.C. XXXX To : XXXX XXXX Senior Account Manager XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX, Arizona Regarding Contract # XXXX : Cease & Desist Collection Harassment - Threats to Ruin Credit Breach of Contract as a result of dereliction of duty to perform as per contract agreement. 

Based on the facts herein, I am demanding an immediate cease and desist of the Transworld Systems Inc. Collection Process. I am demanding a complete refund of the original {$390.00} Policy Fee ; I am demanding reimbursement of {$140.00} for XXXX XXXX XXXX XXXX the second plumbers repair fees ; and I am demanding reimbursement of {$220.00} for costs from plumber # 3 who finally completed the proper repair the bathroom damage. 

You are on notice that I am hereby demanding full reimbursement to XXXX XXXX in the total amount of {$790.00} immediately due and payable upon receipt of this letter dated XX/XX/2018. 

The Fact are as follows : XX/XX/2018 a home warranty was issued to my client XXXX XXXX with an effective date of XX/XX/2018. 

XX/XX/2018 XXXX XXXX discovered a water leak bathroom. The wall and the floor around the shower and toilet was continuedly wet. XXXX XXXX called XXXX XXXX XXXX XXXX XXXX , XXXX to have it repaired as per the Warranty Agreement : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, XXXX sent XXXX XXXX XXXX and who misdiagnosed the leak and told XXXX XXXX that the water leak was not covered, that he would have to hire an outside plumber to install a new shower water spout and replace the aluminum shower door frame work before XXXX XXXX XXXX XXXX XXXX , XXXX would repair the water leak. This was insane and of course an obvious excuse made Mr. XXXX very angry after paying {$390.00} for the coverage and now being charged an additional {$50.00} service fee to be told he needed to hire a outside plumber and no repairs were made. 

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, XXXX sent XXXX XXXX the service call bill for the {$50.00} service charge. XXXX mailed Check # XXXX to XXXX XXXX on XX/XX/2018. XXXX XXXX claims they never received the Check. 

XX/XX/2018 XXXX XXXX again called XXXX XXXX XXXX XXXX XXXX , XXXX attempting to get them to do the repairs as per the warranty. Again, he was told by XXXX XXXX he must first hire a plumbing contractor to replace his Shower water spout and the aluminum shower framework before they would agree to fix the water leak. Standard stall tactics used in 74 complaints. 

XX/XX/18, XXXX XXXX called XXXX XXXX XXXX, XXXX, the person that came out to inspect the water damage. He wanted the bathroom leaked repaired, his thinking was that he was a licensed plumber and I could pay him out of his own pocket to get the leak fixed. When I called him, he said that he could not fix the leak. And that I would get no help from XXXX XXXX XXXX XXXX , XXXX, but he gave me the number of another plumber named XXXX, he said XXXX could do the repairs and stop the water leak. 

XX/XX/2018 XXXX XXXX called XXXX and he came out the next day. XXXX looked at the damage and tried to give me an oral estimate of repair. He suggested an unethical solution, he said that we could charge my homeowners policy and get them to remodel my bathroom and all I would have to do is let his company talk to my insurance company and pay my insurance deductible. I did not want to do this. He said that he would give me a written estimate the next day, but He never followed thru with an estimate. I still had the water leak and the damage was continuing. At this point XXXX XXXX turned this over to XXXX XXXX the Realtor, in hopes he could get this problem resolve and get a refund of my premium from XXXX XXXX XXXX XXXX XXXX, XXXX and use these funds to hire a professional plumbing company to get the leak fixed. 

XX/XX/2018 XXXX XXXX researched XXXX XXXX XXXX XXXX XXXX , XXXX and it appears that this company has all the makings of a scam company after reading the 852 Complaints filed with the XXXX XXXX XXXX as well as hundreds of others listed online. Many of the complaints were the same exact problems XXXX was experiencing with XXXX XXXX XXXX XXXX XXXX , XXXX and decided he would cancel the contract. 

In his discussion with a woman at XXXX XXXX, he was informed in-order to cancel he must first pay the {$50.00} Service Fee plus a {$75.00} cancellation fee. While in the process of canceling the contract the person at XXXX XXXX XXXX XXXX, XXXX abruptly hung up on him before the process was complete. 

XX/XX/2018 XXXX XXXX received a Past Due Notice to pay the Service call for Work Order # XXXX. Now, not only is totally aggravated with the fact XXXX XXXX XXXX XXXX XXXX , XXXX refused to do any repairs he is now being harassed by XXXX XXXX for payment he thought he had already made. Meanwhile the water continues to leak and now 3 months of limited use of the bathroom and unable to use the Shower. XXXX had a growing concern as the water continued to leak he feared it would get into wall area making it prime environment for mold growth. 

XX/XX/2018 In desperation to regain full use of the bathroom unable to shower XXXX XXXX called XXXX XXXX XXXX XXXX and talked to XXXX XXXX, a licensed Plumber and made an appointment. 

XX/XX/2018 XXXX with XXXX XXXX XXXX XXXX arrived and correctly determined all the damage was caused by a broken toilet ring behind the toilet. In XXXX XXXX the toilets are mounted directly on the wall and this was the source of the hidden leak behind the wall. He told me it would cost {$140.00} to repair and replace the ring and XXXX had him repair the toilet. At that time, XXXX said there was quite a bit of leakage that had been going on for quite a while to do that much water damage to the wall, a cabinet, and the baseboard all around the toilet. If XXXX XXXX XXXX. had done a correctly inspected and properly diagnosed this back in XXXX the damage would have substantially less. I hold XXXX XXXX XXXX XXXX XXXX , XXXX 100 % responsible because they failed in their responsibility and just flat refused to resolve the issue. Instead the damage continued until I got the licensed plumber to do the repairs. At this point the leak was behind the wall and has been stopped, but the damage remains to the drywall and baseboard. I expect that the repair will cost several hundred dollars. 

XX/XX/2018 It was discovered that XXXX XXXX XXXX XXXX had not properly installed the toilet wall seal correctly and discovered it was still leaking. XXXX XXXX hired yet a third plumbing company to come out and repair the toilet wall seal again at a cost of {$220.00}. 

XX/XX/2018 XXXX XXXX having still to resolve the matter, XXXX XXXX sends a Demand Letter from their Collection Division demanding payment of the Service Call Fee of {$50.00}. This was the 1st threat to ruin XXXX XXXX credit. 

XX/XX/2018 XXXX XXXX received Transmittal from Transworld Systems Inc. Collection Agency demanding payment of now {$75.00} fee and threatening to file a Judgement against his credit. It is commonly known that a judgement from a collection company will cause horrendous and long-term damage to Mr. XXXX credit. XXXX XXXX is using this tactic of force and collusion with a collection company to demand payment for services they never rendered. This is a direct violation of ethical standards and a breach of the Home Warranty Contract. 


XXXX XXXX Signed on the day of XX/XX/2018