Southwest Credit Systems, L.P.
Consumer Complaints
There are over 1941 complaints on file for Southwest Credit Systems, L.P.. Dated between 2019-12-12 and 2013-07-19.
Complaints Page 3
2019-09-26
Johns Creek, GA
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
2019-09-26
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-09-25
FL
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Complaint: THIS IS A FOLLOW UP COMPLAINT! Southwest credit systems MUST remove this collection from my credit report because XXXX has spelled my name INCORRECTLY and anything that is reported on my credit report must be 100 % correct and mine. If you Look up my previous compliant attached is a screenshot from a old bill from XXXX and you can see that my name XXXX XXXX XXXX is spelled incorrectly. XXXX has it spelled as XXXX which is wrong. How is that PROPER verification if you do not have the right spelling. Thats a direct violation of the FCRA and must be removed from my credit report immediately.
Company Response: Closed with explanation
2019-09-23
Fruit Heights, UT
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-09-23
FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: SOUTHWEST CREDIT SYSTEMS IS PUTTING AN unverified item that remain on my credit report in violation of Federal Law. SOUTHWEST is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO ANY OF THESE NEGATIVE ACCOUNTS! REMOVE THESE COLLECTIONS FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Company Response: Closed with explanation
2019-09-18
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-09-17
FL
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Complaint: SOUTHWEST CREDIT SYSTEMS IS REPORTING NEGATIVE AND FALSE INFORMATION ON MY CREDIT REPORT! REMOVE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY!
Company Response: Closed with explanation
2019-09-16
GA
False statements or representation
Debt collection: Other debt
Indicated you were committing crime by not paying debt
Complaint: To whom it may concern, On XX/XX/2019 ( inaccurate date ), a collection company named Southwest Credit Systems was inaccurately reported to my XXXX, XXXX, and XXXX credit report. Southwest Credit Systems is claiming that I owe {$200.00}. I and a Credit Repair Specialist disputed this issue against the creditor by contacting them directly while also disputing the collection with the credit bureaus via written letters recently. Each dispute letter that was sent respectively asked for documented and written proof that I owe a debt to this creditor. Both Southwest Credit Systems and the credit bureaus refused to provide signed documentation for the debt listed above. Instead, they sent copies of my credit report. The issue has still not been resolved.
Company Response: Closed with explanation
2019-09-14
Rncho Domingz, CA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: sent debt validation letter multiple times XX/XX/2019 XXXX XX/XX/2019 final letter sent XX/XX/2019
Company Response: Closed with explanation
2019-09-13
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-09-12
Washington, DC
Problem with a company's investigation into an existing issue
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Problem with personal statement of dispute
Company Response: Closed with explanation
2019-09-11
Patterson, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Someone used my credit to open a false account
Company Response: Closed with explanation
2019-09-10
N Hollywood, CA
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2019-09-09
Corona, NY
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-09-07
Dallas, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'SOUTHWEST CREDIT SYSTEM ', and the Balance is {$56.00}. The Original Creditor is 'XXXX XXXX XXXX XXXX XXXX '.
However, I don't know 'XXXX XXXX XXXX XXXX XXXX ' at all, and I never had any relationship with 'XXXX XXXX XXXX XXXX XXXX '. I have never lived in California. How can I have a relationship with an automobile club from California?
Company Response: Closed with explanation
2019-09-05
Glenarden, MD
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I received emails from my credit monitoring service about a score decrease and potentially negative records being added. I went into my credit file to find out what the problem was.
I found that a new collection account had been added to my credit resulting from XXXX attempting to collect a debt. I closed my account with XXXX in XXXX of XXXX. I personally took all of XXXX 's equipment I had in my possession to the XXXX store located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX on XX/XX/XXXX. I was prepared to pay anything I possibly owed but I was told by the representative that nothing was owed on my account, and I was good to go. They said that XXXX bills are billed ahead of time, and I was paid up.
Fast-forward to XX/XX/XXXX, I received the notification from my credit monitoring service that a record from SOUTHWEST CREDIT SYSTEM was added to my credit report. Not recognizing the charge, I called them to find out that it was from XXXX.
Prior to this notification from my credit monitoring service, I received NO notification that I even owed XXXX anything. I called them and they could not tell me any details. They just told me that I had an outstanding bill. However, they did agree that it was strange that this attempt came out of nowhere, almost two years later. After multiple calls and attempts, I reluctantly paid the bill on XX/XX/XXXX, just to get it off my credit. My credit still has not fully recovered, and I'm still not convinced I really owed the {$220.00} that I paid.
Company Response: Closed with explanation
2019-09-03
Carver, MA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with explanation
2019-09-03
Charlotte, NC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-09-03
Charlotte, NC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-23
La Fayette, IN
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-08-23
PA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: Around XXXX of 2019, I sent a letter to Southwest Credit Systems about a debt I allegedly owe, for not returning some cable equipment from XXXX, I have asked repeatedly for verification of this alleged debt, have received no response, I have even made an offer and attempt to pay, so it can be taken off my credit report, and was refused. I have returned the cable equipment so this alleged debt should not even be owed
Company Response: Closed with explanation
2019-08-23
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
2019-08-22
Houston, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-08-21
San Antonio, TX
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: I've received 6 calls this week from SouthWest Credit Systems. Three times XX/XX/2019, I answered on XX/XX/XXXX and told them to stop calling - which I had done the prior month as well but no longer have the dates on my phone. They continued calling XX/XX/XXXX at XX/XX/XXXX. They have been calling me for months about a debt that is several years old. I have told them numerous times to stop calling me yet they persisted. The final straw was yesterday day at XXXX CST - an associate named XXXX was on the line. He immediately wanted me to give him my personal information without answering what the call was about, despite me saying I'm the person who they were asking for. XXXX quickly grew enraged that I wouldn't give him my personal information. I told him to cease and desist the calls. Instead of ending the call he berated me by yelling over and over do you even know what this debt is for? Do you know about your credit? I said cease and desist at least 10 times he continued yelling. I then asked to speak to his supervisor. He continued yelling, had to ask for a supervisor at least 12 times during his rant before he finally put me on hold. His supervisor XXXX XXXX (title: Manager at SW Credit Systems) got on the line and I explained how XXXX harassed me on the call and that I have requested them to stop calling me several times in the past. She assured me they would not call me again but I believe they are using a different number now because now I'm getting calls from a new number. Each time they call they refuse to tell me what this is about and go straight into wanting me to verify my personal information without knowing who is calling me. I refuse to do this with each call due to fraud concerns. I work in collections for a living I know that you never yell at a customer and when they say stop calling you stop. I have also never heard of a business calling someone and demanding personal information before they will even give their business name. The experience was very unprofessional and violates FDIC regulations. I'm a woman and to be screamed at by a strange man over the phone demanding my personal information was very stressful. I told his supervisor to listen to that call because that should never happen.
Company Response: Closed with explanation
2019-08-20
Arco, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine. I would like to have these resolved and removed.
Company Response: Closed with explanation