Southwest Credit Systems, L.P

2019-01-28

Laveen, AZ

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-01-25

Arco, 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

Their investigation did not fix an error on your report
Complaint: Sometime in XX/XX/2017 I became aware of a collection item on my credit report. The collection agency is Southwest Credit System representing XXXX XXXX of XXXX CA. I became aware of this collection on my credit report 1 month aftrer it was initiated. I was surprised and appauled that XXXX had turned this account over to collection. In XXXX, 2017 I received a notice reflecting {$80.00} due from a tow on an account I shared with my daughter. I called XXXX and I can't remember the exact details but we reviewed the account and agreed that I didn't owed {$80.00} but discovered that XXXX in fact owed me {$19.00}. I don't remember all of the details. The XXXX agent told me that I would be receiving the refund check in the mail. Needless to say, when I discovered in XXXX, 2017 that the debt had been turned over for collections I was very upset and perplexed. I called Southwest Credit Systems and was told that they could only collect the debt but couldn't help me with my story about not owing and the conversation/refund I spoke with the XXXX agent about. I then tried calling XXXX who told me that they could not access the records nor could they find any conversations on my account. I believe that by this time my daughter had her own account so the account numbers had changed. At this point, I just wanted to pay the balance so it would no longer reflect as an unpaid collection on my credit report. I explained to the Southwest Credit representative that I was paying it so my credit would not be destroyed but that I didn't owe it. Sometime after I paid the {$80.00} to Southwest Credit, I discovered that I didn't even cash the refund check remitted by XXXX because I was holding on to it thinking it would help resolve the matter. I filed the check and the notice ( originally received that initiated the phone call resulting in a refund ) thinking I would receive additional correspondence from XXXX. I never did. I subsequently discovered the negative collection on my credit report. After I found the notice and the check, I called Southwest Credit back hoping they would review the documents and refund my monies and remove the negative collection from my credit report. However, when I called Southwest Credit I was again told there was nothing they could do. Now, I am refinancing and this negative collection is driving down my credit score. It's very unfair that consumers get caught in the loop between collection agencies and vendor errors.
Company Response: Closed with explanation

Timely Response

2019-01-24

Allegheny, 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

2019-01-20

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have no knowledge of this account or who it belongs to. It is incorrectly reporting on my credit reports.
Company Response: Closed with explanation

Timely Response

2019-01-16

Philadelphia, PA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor
Company Response: Closed with explanation

Timely Response

2019-01-15

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Sw Credit Systems L.p. reported on my credit report on XX/XX/2018 this is not m debt and i have never done business with this company I have sent a letter to this company asking them to show me proof that I owe this debt and have received no response
Company Response: Closed with explanation

Timely Response

2019-01-07

DE

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
Complaint: I sent a letter to Southwest Credit Systems and disputed the item with XXXX on XX/XX/2018. I advised both parties that I have know knowledge of this debt. I went on to explain that the bill with the original creditor had been paid in full almost 3 years ago with no additional contact with the company to advise otherwise. I requested verification of this debt from both parties and to date I have received nothing. I am right in the middle of purchasing a home and need this removed from my credit file ASAP.
Company Response: Closed with explanation

Timely Response

2019-01-07

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

2019-01-05

Pittsburgh, PA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-01-04

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I've Contact XXXX tried to explain to them that I did not have an account with them, That this account must have came from Identity Theft, their response you have to deal with the collection agency.
Company Response: Closed with explanation

Timely Response

2019-01-03

Tampa Palms, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-01-03

Aberdeen, MD

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-01-02

FL

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: Southwest Credit Systems contacted my wife at her place of employment about a {$100.00} debt that was owed. I sent a written request to SWC on XX/XX/XXXX and asked that the debt be validated and as of today ( XX/XX/XXXX ) no response has been received from the company. On XX/XX/XXXX my wife received a phone massage from the secretary at her job with the phone number for SWC but the person left no contact name. The secretary said that they told her to have my wife contact them ASAP about an outstanding debt or they would sue. I never gave this company permission to contact my wife much less contact her at her place of employment. SWC violated my privacy and now my wife 's coworkers are aware of my personal business.
Company Response: Closed with explanation

Timely Response

2018-12-31

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/18 this derogatory collection was put on my consumer credit report this is not my debt and was Fraud in this account. for {$500.00} that was sent to a collection company. I have spoke to this company with no avail of responding several times. Under the FCRA guidelines they have to remove this debt that is not proven, this has devastated my credit report. Please assist me in this matter.
Company Response: Closed with explanation

Timely Response

2018-12-28

Stone Mountain, GA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-12-27

Waldorf, MD

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-12-25

Helena, MT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: THIS COLLECTION AGENCY FOR XXXX IS NOT MINE - I HAVE NOT HAD XXXX IN MANY YEARS
Company Response: Closed with explanation

Timely Response

2018-12-24

Auburn, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This is absurd, Ive sent a letter to XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. A bill is NOT validation of an account, Im devastated that They have reported delinquent information to the credit bureaus without being able to properly VALIDATE this information. I feel violated, Im requesting this account to be removed.
Company Response: Closed with explanation

Timely Response

2018-12-23

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-22

Jamaica, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-12-21

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Southwest Credit Systems is falsely reporting a collection on my credit report. They have refused to provide proof of a legibly contract with my signature and correct identification. This is a direct violation of my FCRA and FDCPA laws. They are not authorized or bonded to practice collection practices in the state of Illinois. They are illegally trying to collect a debt that does not belong to me. I never asked for a printout copy of a bill. I never asked for billing statements. They are unable to provide an original contract with my direct signature agreeing to finance terms Direct with Southwest Credit Systems L.P. only!
Company Response: Closed with explanation

Timely Response

2018-12-21

Stevenson, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I asked them numerous times for a written contract bearing my signature and they have not provided me with that information. I also disputed this debt with the credit reporting agencies. I did not enter into a contract with this company and it says it was opened XX/XX/2015 which tomorrow would make it 3 years under the statue of limitations in Maryland to try to collect on a debt. Please help me remove this derogatory mark on my credit so I can get my scores closer to where they should be. Thank you. Company name : SW Credit Systems amount : {$180.00} opened : XX/XX/2015 acc. # XXXX
Company Response: Closed with explanation

Timely Response

2018-12-13

Charter Oak, CA

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-12-12

Tucson, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Never received any communication from debt collector. I submitted a debt validation letter and the collections agency did not respond within 30 days and thus created a violation of the FCRA and FDCPA. This collection needs to be removed from my report as this IS NOT MY ACCOUNT.
Company Response: Closed with explanation

Timely Response

2018-12-10

Chester, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response