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 9
2019-03-22
CT
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: My credit reported was updated today with a collections agency southwest credit systems LP. For {$360.00}. I dont know who they are. I dont owe them any money. I have never had a signed contrat with this company Southwest credit systems LP. I did not receive any written notification of them attempting to collect a debt from me. I was not given the opportunity to dispute any debt with them. I was suppose to be notified by mail. They are destroying my credit character and worthiness. I want them to stop reporting to the credit bureaus immediately! I will take legal action
Company Response: Closed with explanation
2019-03-21
Randolph, MN
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-20
Brooklyn, NY
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-03-20
St Heights, MI
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-19
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-15
Soddy Daisy, TN
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-03-15
Cherry Brook, MA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-13
Washington, DC
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: In XX/XX/XXXX, I closed out my account with XXXX XXXX which I had an account with for many years using their internet service. However, at some point i decided to leave XXXX and asked for a final bill. The final bill came with cost stating I owed them {$110.00} dollars to close out the account. I disputed this amount based on my last bill prior to closing out this account with number XXXX.
XXXX telephone number - XXXX After not receiving a new and final bill all this time at least over the last 18 months I finally get a debt collector sending me a final bill which only meant they decided without prior notice to send this to a debt collector. I received a letter in the mail from the collector called Southwest Credit located in XXXX, TX Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Creditor : XXXX Southwest Reference number - XXXX Offered Amount to close account {$77.00} Today, XX/XX/XXXX. I called and spoke with Southwest credit about attempting to undermine my credit and leave a negative impact on my credit report. I also contacted XXXX with the same thought process.
It is my intention to not have this affect my credit negatively and I want both to close out this account.
I want XXXX to contact the credit bureaus and clear up this matter with all 3 active credit reporting agencies.
Upon receipt of my check for the full amount to resolve this debt. Within the time frame of no less than 15 days. Or the next reporting date.
I want XXXX and Southwest Credit to send me validation that this matter is closed and my credit report has been cleared. Not just " stated paid '' I want it removed.
Company Response: Closed with explanation
2019-03-12
Boston, MA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: Repeatedly tried to contact Southwest Credit Systems L.P. to verify a collection account on my XXXX, XXXX and XXXX credit reports. I have not been provided any information on the account that is damaging my credit and ability to obtain new credit.
Company Response: Closed with explanation
2019-03-12
Dallas, TX
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-03-11
Baltimore, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-03-11
Baltimore, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-03-11
Rockford, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have an account with a collection agency named SW credit systems that was placed on XX/XX/2018. Account # XXXX. This account is apparently a satellite dish service that does not belong to me. The original creditor lists as XXXX. I have never had satelite services.The account is showing a balance of {$720.00}. I have disputed this twice now. The only response I have ever received is a bill. I have asked for original documents that I would have signed or a copy of my identification. The only thing I have ever received back was a bill and them stating the account has been verified. If there is anything you can do to assist me in the matter I would greatly appreciate it.
Company Response: Closed with explanation
2019-03-08
Colbert, WA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-03-08
Compton, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Acct XXXX To Whom It XXXX Concern : This letter is regarding account # XXXX, which you claim I owe {$700.00}. This is a formal notice that your claim is disputed.
This is the second or third collection agency that has is trying to collect on account I did not open or ever have. Why is this being taken off my credit from one collection agency when they can not provide validation and then sold to another collection agency attempting to collect a debt I never signed for or have any knowledge of.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) - Violation of the Fair Credit Reporting Act XXXX but not limited to Section XXXX ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA SSN # XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau XXXX : Attorney Generals Office Cc : Better Business Bureau XXXX XXXX XXXX and complaint I want to file a complaint against, XXXX XXXX XXXX, LP. XXXX XXXX XXXX XXXX, TX XXXX XXXX : Acct # XXXX, and TXXXX XXXX XXXXOF XXXX XXXX XXXX, XXXX XXXX POX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. XXXX XXXX XXXX letters ). After finding out about this negative accounts on my XXXX XXXX account I submitted the validation letters to XXXX XXXX XXXX, LP. They removed it from my credit report but now I received a letter from XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX POX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. Thank you in advance XXXX XXXX
Company Response: Closed with explanation
2019-03-08
VA
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: On XX/XX/XXXX I opened an account with XXXX. The Account was closed on XX/XX/XXXX. I got a derogatory remark on my XXXX credit report, Stating that this account got sent to collections. However I wasnt never notified about this debt and never received the bill. I would like to address this Immediately and either pay off the debt or get this negative remark removed from my report.
Company Response: Closed with explanation
2019-03-06
Staten Island, NY
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: I checked my credit report and noticed a negative mark, I called the company and was told its for cable. I explained to the rep I do not have cable, haven't had cable in years. she asked what state I was calling from and she informed me the account was not for the state of NY that I reside in. she would not give me any more information. I told her to please remove the remark from my account she would not.
Company Response: Closed with explanation
2019-03-05
Houston, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-03-01
Phila, PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-01
Garrett Park, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: XXXX XXXX hired collection agency : SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX to collect a debit on an account opened by someone else using my name and social security number. According to XXXX, the account was opened XX/XX/XXXX and closed on XX/XX/XXXX leaving an outstanding balance of {$3200.00}. The account went to collections XX/XX/XXXX. The address associated with the account is : XXXX XXXX XXXX XXXX . XXXX XXXX, MD XXXX I have never lived at this address. I have contacted both XXXX and the property manager of the address associated with the account in an attempt to get them to share information and verify that the debt is not mine. Neither party is cooperating, leaving me in a position to have to prove a negative. I informed XXXX that since they can not demonstrate consent by me in the form of a contract or audio recording authorizing them to start an account, they must release me from the debt. XXXX is throwing spaghetti on the wall by transferring their loss onto me, which is obviously, unethical and causing me great financial damage. Please advise.
Company Response: Closed with explanation
2019-03-01
San Bernardino, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-03-01
Memphis, TN
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: These matters are at a minimum intentional gross negligence and at worst just plain fraud, SOUTHWEST CREDIT SYSTEMS XXXX, I have a unverifed account with your office and I do not recall ever having done any business with this company. I believe this account to be a HIPPA violation and I would like to see the contract for business of service.
Company Response: Closed with explanation
2019-02-28
Houston, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-02-28
Louisville, KY
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Received a call from creditor in XXXX about collection informed them that this was the 3rd collection agency i have heard from creditor claimed they we're disputing with original creditor shows up on credit report call them they thought it was a joke and claimed i was only able to file a dispute by mail then hung up
Company Response: Closed with explanation
2019-02-28
Blackbird, DE
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: On or around XXXX of XXXX i received a missed call from a XXXX number. Being a former XXXX resident I called back and the person on the other line mentioned that she was a debt collector. After verifying my information she said she was trying to collect a debt, I informed her that i am unaware of this debt so please send me documents which can validate the debt. I gave her my new address in XXXX and she said she will mail me the documents.
As of today XX/XX/2019, I did not receive any Debt validation from this company. Today i received an alert from my credit monitoring service of a collection reported by this agency. When I called them the first representative, XXXX refused to give me any information and after putting me on hold disconnected my call. The second representative Miss XXXX, said that we don't have any validation document but i will have to pay them to delete the information of my credit report.
After questioning her and mentioning that they have violated the FDCPA by not providing me any validation and negatively reporting on my credit. They have not given me a chance to dispute or resolve this matter and have impacted my credit. She transferred me to a supervisor by the name of Miss XXXX XXXX.
Miss XXXX was not willing to cooperate and was adamant for me to pay the debt which I am unaware of. She threatened me that her company will continue the collection activity if i don't pay her. She mentioned that regardless even if this debt is not mine, they have not violated the FDCPA. This agency is using predatory practice by not providing any debt validation documents for me to verify the debt. I am unaware of this debt and they comply with my original request of providing the debt validation.
Company Response: Closed with explanation