Southwest Credit Systems, L.P.

2019-07-18

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-18

MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Recieved debt collection letter from Southwest Credit from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The letter stated that I owed a debt principal for a XXXX I count which I do not have. I called them and gave them a peice of my mind.
Company Response: Closed with explanation

Timely Response

2019-07-18

Dallas, TX

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-07-18

OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: Reviewed my credit report seen where there was a collection account from " Southwest Credit Systems '' for an account with XXXX or whomever it is with. I've never done business with XXXX or this company or ITS affiliates. PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS ASAP. I'M ALSO ATTACHING A COPY OF A POLICE REPORT RECENTLY FILED. THIS IS NOT MY ACCOUNT. SEIZE ALL COMMUNICATION EFFORTS AND REMOVE THE NEGATIVE INQUIRY EXPEDITIOUSLY
Company Response: Closed with explanation

Timely Response

2019-07-17

Memphis, TN

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I did not receive a letter or get a phone call from this collection agency, Southwest Credit Systems. Alleged debt {$530.00} reported/open XX/XX/2019 I am not aware of the alleged debt. Upon further investigation, I learned this agency is not license in the state in which I reside TN to collect. The collection agency is now reported on my credit report unfairly.
Company Response: Closed with explanation

Timely Response

2019-07-16

Hinkley, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I keep getting phone calls and letters. I paid the debt off to the original creditor XXXX XXXX. They are purposely damaging my credit.
Company Response: Closed with explanation

Timely Response

2019-07-15

Columbia, SC

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Complaint: Southwest Credit Systems is attempting to collect a debt that has been paid directly to XXXX and will not remove items from the the three credit bureaus. The representative stated that they have a " no deletion policy ''. When I asked her to provide me with that policy in writing that she quoted, she stated that they don't have a policy to send me, she was just trained to say that Southwest Credit systems has a no deletion policy.
Company Response: Closed with explanation

Timely Response

2019-07-15

New Britain, CT

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: From XX/XX/XXXX - XX/XX/XXXX someone I dont know used my identity with my name and social security to open a new account with a XXXX resulting in my account going in collections owing {$550.00}. I never knew till recently I went on all my 3 credit reports to check my credit score and see XXXX on my report. I have never opened a XXXX bill in my life so I definitely knew this was identify theft.
Company Response: Closed with explanation

Timely Response

2019-07-15

Bedford, TX

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

Timely Response

2019-07-14

Hinkley, CA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: I paid the original amount off with debtor XXXX XXXX. I also turn in the equipment. I find out the person in the apartment next door. Was using my info I report him. It was a fraudulent account. XXXX says my account is zero paid off and delete. But The collector is abusing me saying I owed {$200.00}. Calling me and writing me.
Company Response: Closed with explanation

Timely Response

2019-07-13

Johns Creek, GA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-07-13

CA

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I've never received any letters or phone call about my debt collection.
Company Response: Closed with explanation

Timely Response

2019-07-11

St Heights, MI

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-07-09

Braddock Hills, PA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-07-08

FL

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: XXXX XXXX has been reporting for years a phone that was returned to XXXX, and which was sold to me through a scam offer in the XXXX mall. I need to use my claim calls for my account to be removed from my credit bureaus. SW Credit Systems L ... por XXXX $ In my inquiry, I wish that all the money and the damages that this has caused in my credit be returned to me. Thank you
Company Response: Closed with explanation

Timely Response

2019-07-06

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-05

IL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Repeated calls when answered they hang up. Company says they are unable to stop this harassment unless I provide them with personal information beyond my phone number. Hang up calls once every day or every other day. Frequently using alternating phone numbers making it difficult to track calls. Generally dishonest harassment tactics. Southwest Debt collection.
Company Response: Closed with explanation

Timely Response

2019-07-05

Republic, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: This debt was discharged. Now its back under a new company. XXXX is tanking my credit over something that was there fault. Why should I pay this debt when I had told these people to turn off my service? All three credit reporting agencys are now in such a bad place I cant even apply for a car lease. Theres still errors on my reports and when I try to dispute them its like I dont exist. XXXX is another one and I have never applied for a XXXX card but I have to wait till they drop off. WHY??? This is so unfair. There even telling me I have no work or credit history when I apply. Why does social security have a more detailed history on me then these credit reporting agencies? They are supposed to be so important in getting cars and homes but I find that the information is so wrong. I also have student loan asking for the principal. Are they going to tank my credit too?
Company Response: Closed with explanation

Timely Response

2019-07-04

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-07-03

Lyndora, PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: A company posing as a collection agency put a collection on my credit report. The company is called Southwest Credit Systems. They have over 130 negative XXXX reviews that this has been happening to multiple people. They also have almost 500 negative reviews with XXXX. They are claiming that I have an unpaid loan in the original amount of {$950.00} noted as cable/cellular for a company called XXXX XXXX. with a balance of {$1500.00}. They have it dated as XX/XX/19. I reported it to the credit bureaus and contacted the FTC who gave me your information.
Company Response: Closed with explanation

Timely Response

2019-07-03

Mount Pleasant, WI

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-07-01

Bolling Afb, DC

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-07-01

Braddock Hills, PA

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

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-06-29

Fort Worth, TX

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Complaint: On XX/XX/19 at XXXX I answered a phone call from southwest credit systems group llc out of XXXX Texas , called from XXXX. I verified what is my address with the woman on the line. She proceeded to try to collect 45 dollars from a toll from a few years ago. I asked her to please verify the debt and she spouted off more personal information and told me I will receive a " ticket/citation '' from the company if I dont pay and it's like {$200.00}. I asked her like from the police and she said yes a ticket just like the ones they give you. I tried to press her on if it was a civil or criminal issue and what will the citation be for surely not from the city and she deceptively assured me it's just like.those I have to call the parent company to talk.about the tickets and citations given out though. I got transferred to a manager and she tried to verify my information as the last woman did and when I gave her the address of XXXX like I gave the first woman she said it's not what they have on file. She then told me.she couldn't discuss the account with me bc I didnt verify the info correctly. I asked why the first rep did and she didnt have an answer. So the first person i spoke with gave out handfuls of personal and account information to somebody that improperly verified. Alot of information. That's not okay. I asked for a copy of the call.amd was sent to another executive 's line. They are not verifying that the people they speak to are debt holders and giving away alot of personal information. Please help us from these unsafe tactics I hope no one else has called in and just been given random account and personal information that's dangerous and illegal via the cpfb. Thank you guys for everything yall.do.
Company Response: Closed with explanation

Timely Response

2019-06-28

OH

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: Southwest Credit System place this negative account medical account on my credit report as I was unware of the debt and could not Dispute the information as they sent mail to an address I did reside at ... After I seen the negative account my credit report. I sent them a request to remove the account ASAP. Southwest needs do the following : 1. Remove this account of my credit report ASAP as I was unaware of this debt. 2. Show they have the right to collection in Ohio. 3. Provide method of validation for this account as I recall owning money on a account of this nature.
Company Response: Closed with explanation

Timely Response