Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

Left apartment on XX/XX/XXXX within approximately 2 weeks received a XXXX dollars charge because carpet had a 5 cm XXXX stain and they were going to replace all the carpet. I gave XXXX dollars, and was told that the rest was going to be sent for collection and did not took more payments. 
In XXXX I received a collection letter by TSI, I paid XXXX dollars. Expecting to received a subsequent charge and that continue with monthly installments. Did not received any, I emailed my apartment complex to get a contact number for TSI, they did not replied. 

Answered a call, and it was TSI collector, ask them to please send me another bill to do an installment, and asked for monthly payment plans. Told OK as long as I am paying. Again, did not received any information. 

Called TSI, to update address, and request a monthly payment plan. Agent, said this was recorded and requested, that I should be getting a stub. Received, paid XXXX dollars. Then, again did not received any more documents. I called, requested monthly payment plans and stub was sent, and paid another XXXX dollars. On XXXX, I received a call requested payments and explained to her that I been requesting monthly payments stubs, to do installments. Told to pay, via phone and that she could setup payment plan ( FIRST THE FIRST TIME ), I explained I did not feel comfortable giving my card or bank info, to please send me instructions by mail or email She hang up ( call in XXXX XXXX ). 

The following day this was sent to collection. I called back TSI, and an agent mentioned that even though I was doing monthly payments since this was not set up by an agent or documented, this was not shown as I was doing monthly installments, and they sent the charge to the Bureau. I did not received any collections or letter stating that this was going to happen, I was not informed. 

I am upset, since I was the one calling on a monthly basis to ask how to pay monthly, doing monthly XXXX dollar payments. Communicated my desire of paying, never denied a payment, expressed my interest and updated them ; and even though I did monthly payments and was in communication with them, they did not updated me about the situation and send my collection to the Bureau, when I was proactively paying and calling them, since I did not received letters/stubs unless I requested them. When I spoke to the agent on XX/XX/XXXX he said nothing to do from his end, that I needed to send a letter to corporate that I did. Requested to talk to supervisor, who said she will review case, but dismissed me. 
Since TSI has bad communication within their office, I just immediately paid the remaining balance, in order to avoid more issues with them. 
Per them all the conversions are audio recorded and documented. There is evidence I multiple times said " I do not refuse to pay, I am calling because I want to pay, though I can do this in monthly payments, please send me the stub to do my installment ''. They still did not communicated with me, and sent everything to the bureau, which will affect my credit score. This is an abuse, unfair, unjustified and careless. 
Please help me!