Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, I settled a XXXX XXXX account ( handled by Transworld Systems Inc., TSI ) with an agreed settlement amount of {$1300.00}. The terms of the settlement were two payments : {$600.00} on XX/XX/year>, and {$690.00} due on XX/XX/year>. I made the first {$600.00} payment that same day. 

Since then, I have called TSI at least 5 times on recorded lines requesting written documentation of the settlement agreement and a payment receipt. Each time I was assured I would receive an email or letter confirming the settlement, but nothing accurate was provided. TSI has confirmed the {$1300.00} settlement verbally on every call I have made, yet they have failed to provide written proof of it. 

The only letter I eventually received from TSI was incorrect and misleading. Rather than showing the {$1300.00} settlement terms, it listed a balance of {$2200.00} an amount that does not even match the original balance of {$2400.00}. It appears TSI applied part of my {$600.00} payment to the original balance but completely ignored the settlement agreement, acting as though it never existed. To make matters worse, this incorrect letter included a new settlement offer for a higher amount than the original agreement, instead of reflecting the agreed {$1300.00} settlement. 

On XX/XX/year>, my mortgage companys credit department contacted me about this XXXX account. That same day I finalized the {$1300.00} settlement with TSI and immediately made the first {$600.00} payment. Between XX/XX/XXXX and XX/XX/XXXX, I called XXXX every business day trying to obtain the written settlement documentation that my mortgage broker required for underwriting. 

On XX/XX/year>, I was forced to arrange a conference call with TSI, my mortgage broker, and underwriting. During this call, TSI confirmed both the settlement terms and my {$600.00} payment, and I was told that this phone verification would satisfy underwriting requirements. However, almost a week later I was informed that written documentation is still required, and my home closing is being delayed. 

As of XX/XX/year>, I have now paid the entire {$1300.00} settlement amount ( both the {$600.00} and {$690.00} payments ) to ensure this account is fully resolved, yet TSI has not updated their system to reflect a XXXX balance and has still not issued a correct settlement confirmation or receipt. This has caused unnecessary delays in my home purchase, severe financial stress, and complications such as utilities already being transferred under the assumption we would have closed by now. 

I believe TSI is violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by : Misrepresenting the amount owed, Ignoring the documented settlement agreement, Failing to provide proper validation and proof of settlement, Failing to issue payment receipts, and Reporting and maintaining inaccurate information.

I am requesting immediate confirmation that the account is fully settled and paid, issuance of a corrected settlement letter reflecting the {$1300.00} agreement and my payments, and correction of all inaccurate credit
reporting. I am also requesting compensation for financial costs and damages caused by these delays, including any fees or additional costs I incurred as a result of the unnecessary delay in my mortgage closing

Company response to consumer: Closed with explanation