SOUTHWEST COLLECTION SERVICES INC.

2019-11-30

N San Juan, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-11-26

Elk Grove, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-11-26

Elk Grove, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-11-13

Elk Grove, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-10-15

FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I am not aware of these collection charges
Company Response: Closed with explanation

Timely Response

2019-09-21

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-05

San Gabriel, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Collection Agency ignore my dispute letter, Don't want to talk and Reported to Credit Bureau -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount {$120.00} Is XXXX SOUTHWEST COLLECTION S Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX : What You told me on XXXX, I have to re-admitted in Hospital to help me, Talk your doctor and get re-admitted Was this worth {$150.00} and hire Collection Agency, and RUIN MY CREDIT? Ive Never missed Single bills in my XXXX years, If you feel you need get paid on this, Remove Credit Report and Call me XXXX or email me XXXX Below was my letter collection agency XX/XX/2019 To whom it may concern : 1.While I was waiting XXXX XXXX in the Hospital while accumulating {$28000.00} of bills, He never show up nor came. 2.having 2nd Severe XXXX XXXX XXXX, much severe than I went emergency for, XXXX XXXX office Made me wait 10 days without even painkiller 3.On top of XXXX XXXX and XXXX XXXX verified XXXX XXXX XXXX, From hospital, XXXX XXXX Create additional Bill of X-ray. 4.After that, Only he told me let him know when my regular Dr admitted me in hospital again, otherwise he cant do anything and XXXX XXXX didnt do ANYTHING other than Create additional Bill! IF XXXX XXXX disagree, XXXX XXXX himself call or write to me
Company Response: Closed with explanation

Timely Response

2019-07-26

Stkn, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX XXXX P.O box XXXX XXXX, CA keeps harassing me over a debt that is almost 7 years old from the XXXX XXXX a company that has went out of business they adding interest the debt and they are a 3rd party collection agency. Under the F.D.C.P.A federal Department of Collection Practice Association and Federal Trade Commision laws I have repeatedly asked for verification of the debt to prove I owe it. I even tried to settle a debt I don't owe but was not able to reach an agreement with the company. I do not owe this debt. At first it was only on my XXXX credit report but as of XX/XX/2019 it appeared on my XXXX credit report with a outrageous amount {$430.00}. It just keeps going on up. I know this this against all laws and seeking information on how to personally sue this company.for malpractice and harassment.
Company Response: Closed with explanation

Timely Response

2019-07-10

Hinkley, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: XX/XX/XXXX or around I started to receive debt collection calls from a company stating their name was Southwest Collections, this company advised me that I owed on ambulance bill for a XXXX emergency ride in XXXX. I informed them that I have never been in an ambulance, after going back and forth with the representative, she decided to inform me that this was a Joint account that I am on. I informed that I am not a joint on anything and also I dont even believe you can have a joint ambulance bill. They refused to advise me who was on this joint account, either way I know this is not a bill I am responsible for, after disputing over and over with this company and going back and forth they have fraudulently added this to my credit, this is causing me extreme hardship, having a bill on my credit that does not belong to me. I disputed this with all 3 credit bureaus, however the information remains. I dont believe investigations are being done, this company should not be able to fraudulently list someone as a joint owner just to get an account paid.
Company Response: Closed with explanation

Timely Response

2019-06-12

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-03-01

Foothill Ranch, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: This is additional documentation to fully explain the collection and it's lack of validity. This debt has past the statute of limitations as per the new law in California where a debt can not be collected or put on a consumers credit report if the last billing is 4 years or older. This debt is XXXX years old to date. Please review letter to explain all details and the exhibits to back up to include court orders, etc. I offered a settlement and the collector refused to make arrangements with even though I don't owe the money, he said he was going to ruin my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-23

Foothill Ranch, CA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: I am adding more documentation to a current complaint. The attached document further details line by line the payments I made to the center for children that was never credited to the ledger. Further, there are payments noted, however not recorded. The ledger attached has my payments, the billings and then the total amount the attorney billed me in full which was {$3000.00} on page 10 of the attached XXXX XXXX document billing statement. I paid that in full based on my payments that were recorded. The billing statement is vague, ambiguous and there is nothing to show for the billing 's validity. It is just a bill with nothing to prove it is legitemate. Further, I paid my portion of the billed debt. Lastly, there is a court action that dismissed this attorney on XX/XX/14. There was no valid or legal billings allowed after that date. This debt was purchased by Southwest Collections and is a third party debt. It is illegal and action needs to be taken to get it off my credit report immediately.
Company Response: Closed with explanation

Timely Response

2018-10-12

Riverside, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-12

Anaheim, CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-19

Tustin, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-12

CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: To Whom It May Concern ; My complaint is regarding an account which Southwest Collections Services Inc in the City of XXXX California claims I owe {$3200.00} which is false.and the amount keeps increasing monthly. It is currently {$3200.00} as of XXXX I have written them on several occasions requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( 15 U.S.C. - 1681 et esq ), and California 's Consumer Credit Statues and subtitle D of the ARRA, SEC. 13401. Application of Security Provisions and Penalties to Business Associates of Covered Entities ; and SEC. 13407 ( 1 ) Breach of Security along with the corresponding local state laws. Please also note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Each month for the last several years Southwest Collections Services increases the amount they alleged i owe them and show no proof of a contractual obligation or instrument bearing my signature and i have advised them not to take action reporting to XXXX, XXXX and XXXX and they did and currently report to the bureaus. I also believe Southwest Collections Services is in HIPPA violation disclosing medical records in the State of California. Medical Privacy Statues and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation. I am requesting assistance in having this erroneous information deleted and further requesting assistance in how to properly pursue the matter in my local venue of law. Please advise and thank you. Sincerely, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-07

La Sierra, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: XXXX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency NEVER sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. 1. SOUTHWEST COLLECTION SERVICES 1ACCOUNT # XXXX ON BEHALF OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX To whomever it may concern, I noticed that my credit report, pulled through your company, shows a medical account that does not belong to me. I believe you have erroneously listed this account and I would like to have it removed immediately. Below is the account you have listed. Name : XXXX XXXX Social : XXXX Account : 1.SOUTHWEST COLLECTION SERVICES ACCOUNT XXXX ON BEHALF OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please remove this account immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. Thank you for your time. Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-01-25

Indio, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Southwest collections is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when Southwest collections got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Timely Response

2018-01-25

Placentia, CA

Communication tactics

Debt collection: Medical debt

Used obscene, profane, or other abusive language
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-01-22

La Sierra, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: This company Southwest Collections SOUTHWEST COLLECTION XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has reported so many claims to the bureaus I owe them anywhere from {$7.00} to {$300.00} and I have had them all removed due to accuracy as they are not mine! I have PPO private insurance and I have never been to their urgent care, but I also never had a co pay or any EOB from my insurance showing I went to this Urgent Care. They keep adding new claims to my credit report every time I get one removed and they are always for a different amount. I consider this harassment and they are out right lying. I know I have not ever been there and this new claim is the 5th one in 18 months they have tried to collect form me. Never once did I receive anything in writing or by phone about the debt. The first I ever heard of any of them was when they showed up on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor ) XX/XX/XXXX {$180.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. I appreciate your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response