Southwest Credit Systems, L.P.

2018-12-10

Bedford, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-09

Tucson, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-12-05

Austin, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-12-05

Philadelphia, PA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I never receive any notifications or mails that I owed moneys
Company Response: Closed with explanation

Timely Response

2018-12-04

Stevenson, MD

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I had an account with XXXX in XX/XX/2010-XX/XX/2011. My contract ended and the equipment was turned into the third party contractor that sold me service. XXXX stated that they never received the equipment, which I dispute. The third party contractor no longer works for XXXX so there is no record to reference. This is XXXX XXXX issue but they had SW Credit Systems L.P. add a debt to my credit report in the amount of XXXX dollars, which I deem fraudulent. I've contacted SW numerous times and disputed the item through all three credit bureaus, when able.
Company Response: Closed with explanation

Timely Response

2018-12-03

Indiahoma, OK

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I received a letter stating that I had an owed balance with XXXX. I contacted the company and was told that my balance was {$29.00}. I have not utilized there business since XX/XX/2013. I paid the amount owed, in full. Now, I have a derogatory item on my credit report about some bogus charge that XXXX has turned over to a collection agency in the amount of {$220.00}. This is a zombie debt that is of no value and it is hurting my credit score.
Company Response: Closed with explanation

Timely Response

2018-11-30

IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XX/XX/2018 : A debt collector has reached out to me via phone to collect a debt for XXXX from 5-1/2 years ago. There has been no prior billing for this fee. I asked them for written verification of the details of what this bill is for and they stated that they could not provide but I needed to pay the bill. XX/XX/2018 : Received a USPS mail communication dated XX/XX/18 providing the requested information. Attached was a bill from XXXX showing a payment received of {$360.00} with a balance due of {$140.00} from XX/XX/18. XX/XX/18 : called Southwest Credti at XXXX and spoke to XXXX XXXX. She reviewed the collection and was not notified in her system of a 5 year statute of limitation in Illinois and they have a policy not to dismiss any debts. I asked her to verify that they would no longer be contacting me on this debt and she agreed. She then told me she would transfer me to the Executive Relations Manager as I told her I was filing a claim with the CFPB. I was put on hold for several minutes and then directed into a voice mail for the Executive Relations Manager. I did not leave a message.
Company Response: Closed with explanation

Timely Response

2018-11-29

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: The collection agency keeps reporting a XXXX account as mine after I filed a police report and affidavit and faxed all information to them. It added this account twice and now my credit has went down
Company Response: Closed with explanation

Timely Response

2018-11-27

PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: This week, I have found SW Credit Systems reporting a collection on my credit report. The reports indicate that they were assigned the account on XX/XX/2018, and that it was reported to the credit bureaus on XX/XX/2018. There are two issues with this account - 1 ) I never received a notice in the mail about this debt. 2 ) Even if I had received a notice, the timeframe between XXXX XXXX XXXX receiving the account and when it was reported would not have left enough time for me to dispute the debt.
Company Response: Closed with explanation

Timely Response

2018-11-26

Fort Stockton, TX

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-11-24

Tallahassee, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XXXX of this year I had made a payment arrangements for southwest Credit to take payments on the behalf of XXXX XXXX and something happened and the payment didn't happen I sent in checks totaling {$300.00} to them on XXXX and first told they didn't receive my payment then when I had XXXX XXXX the actual debtor call and southwest told the representative that the checks were going to be sent back to me I called and were told and confirmed that my check were in the mail now XXXX giving me until the XX/XX/XXXX to make the payment and southwest said on XX/XX/XXXX its mailed to my P. O. Box address I provided but now to be told my check were mailed to another address the priority mail XXXX XXXX XXXX XXXX XXXX XXXX United States postal service
Company Response: Closed with explanation

Timely Response

2018-11-22

Encino, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-11-16

Key Biscayne, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-11-14

Foster City, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-11-13

Asbury Park, NJ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-11-10

San Antonio, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: XX/XX/XXXX Southwest Credit Sys I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. Account Number : XXXX Reason : [ Fraudulent account ] I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. I spoke with a service rep for this company and she couldn't locate an account with my name in response to the debt posted on my credit report. Please remove immediately. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx XXXX XXXX XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-11-09

Richmond, VA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-11-02

Moapa, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: SW Credit Systems L.P on behalf of XXXX has placed a collection on my account that isn't mine. Its identity theft and I've advised them of this multiple times as well as XXXX.
Company Response: Closed with explanation

Timely Response

2018-10-30

Beach Center, CA

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2018-10-30

Cheverly, MD

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: About two weeks ago, I recieved a call. The caller didnt identify herself clearly however asked for me repeatedly. She asks for my name and address. I told her Im not sure what this is regarding but to send a dunning letter regarding the debt ; to which she stated she didnt know what that was and hung up. To date, XXXX XXXX XXXX has placed a collections account on my credit report without send a required letter of validation to verify the validity of this collection. I also filed a complaint XX/XX/2018 with the Federal Trade Commision acknowledging my identity had been tampered with.
Company Response: Closed with explanation

Timely Response

2018-10-29

Fort Stewart, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-10-25

Fort Stockton, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: There is a debt collection on my credit report from Sw Credit systems inc stating that I Owe a Debt to Automobile XXXX XXXX XXXX XXXX which they state is a part of XXXX I have never had any communication are accounts with XXXX are this XXXX XXXX XXXX XXXX XXXX as I have never lived in California. I contacted Sw Credit Systems inc today XX/XX/XXXX about this alleged debt and the guy that I spoke to could not give me any information about the account the address he read to me was not even my address at the time they are reporting this account I asked him for more info I was informed they do not have anymore information about this account just my name and some address they thought was mine. They are fraudulently reporting this account to the credit bureau and refuse to verify are do anything to delete this account even though I proved this account is not mine. This account was opened supposedly inXX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-10-24

Clayton, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-10-24

Fremont Valley, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-19

San Jacinto, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response