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 14
2018-09-20
Statesboro, GA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: Regarding previously filed Complaint Number : XXXX.
I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize and also requested validation. I do not owe this company Southwest Credit Systems anything and they have stated they will cease collection of this debt per their response to my complaint XXXX. See below, they responded to my complaint with : " XXXX has notified Southwest Credit Systems to cease and desist all collection efforts against Mr. XXXX. However, because XXXX considers this debt to be valid and owed, we will pursue all our legal rights and remedies to collect this balance. According to XXXX, the debt is valid. On XX/XX/2018, XXXX closed Mr. XXXX account in our office. SWC has ceased collection activity and is no longer pursuing the matter '' However Southwest Credit Systems LP continue to report this debt on my credit reports. I NEED Southwest Credit Systems TO REMOVE THIS ACCOUNT FROM ALL MY CREDIT REPORTS IMMEDIATELY. This company Southwest Credit Systems LP is violating the FCRA by still reporting an alleged debt to my credit reports under Southwest Credit Systems. I do not owe Southwest Credit Systems for this alleged debt and I am prepared to take further legal action if this account is not removed from all my credit reports immediately. I have never had an account with XXXX and I have previously been a victim of identity theft.
Company Response: Closed with explanation
2018-09-19
South Florida, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I do NOT owe this company or its affiliate a single penny. This company continues to report a negative account on my credit report, an account I do not own. Company stated that they have placed my account on an administrative hold in a cease and desist status. I am not interested in a cease and desist status ; I am interested in having this company delete its erroneous account from my credit file - a request that is proving rather difficult for them to do.
CFPB, PLEASE BE ADVISED THAT THIS SHOULD NOT BE CONSTRUED AS A DUPLICATED REPORT. The company is engaging in unscrupulous activities. How can a company at will just report negative items on ones credit without first being absolutely certain that the account belongs to the alleged debtor. I have or had no contractual relationship whatsoever with XXXX and/or Southwest Credit Systems, LP.
Company Response: Closed with explanation
2018-09-17
Saint Louis, MO
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-09-16
Fairburn, GA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-09-14
Mcdonough, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-09-13
Las Vegas, NV
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-09-13
Alexandria, VA
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
2018-09-13
Statesboro, GA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX. I have asked Southwest Credit Systems L.P. TWICE to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$640.00}.
I have never had an account with XXXX. I have sent them Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports.They have responded with a letter and an account statement saying that they have done an investigation on the account but they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
Company Response: Closed with explanation
2018-09-12
Bohemia, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Some Negative shows on my credit report and i don't know those things
Company Response: Closed with explanation
2018-09-11
Howard Beach, NY
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-09-10
Elberon, NJ
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-09-10
Bronx, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2018-09-07
New Britain, CT
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-09-06
Cloverly, MD
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-09-04
Arlington, VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-09-03
PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: The debt collector is Southwest Credit Systems. The amount is {$320.00}. It was posted on my credit report on XX/XX/2018. It supposedly for XXXX equipment that returned. I have contacted XXXX on numerous occasions and have had no help in determining the cause of this incorrect credit posting. I returned the equipment approximately 5 years ago. I do not have a receipt for the returned equipment, but I am quite sure XXXX would be able to resolve this by checking their records and serial numbers of the equipment.
Company Response: Closed with explanation
2018-09-03
San Diego, CA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-09-03
Philadelphia, PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: THE ACCOUNT WAS OPENED XX/XX/2018 AMOUNT OWED THATS REPORTING ON MY CREDIT REPORT XXXX I FILED A DISPUTE THROUGH THE CREDIT BUREAUS FOR IDENTY THEFT I WAS UNAWARE THAT THIS ACCT WAS OPEN I DID NOT OPEN THIS ACCOUNT OR GIVE ANYONE PERMISSION TO OPEN ACCOUNT IT IS CABLE BILL ACCT BUT THEY GAVE TO A COLLECTION AGENCY BY THE NAME OF SOUTHWEST CREDIT SYSTEM ORGINAL COMPANY IS XXXX
Company Response: Closed with explanation
2018-09-01
Mcdonough, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-08-31
New Bedford, MA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: Recieved a letter from this collection agency on XX/XX/18 regarding a phone bill debt that was already deleted and discharged by another debt collector.
Company Response: Closed with explanation
2018-08-30
TX
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Complaint: Southwest Credit Systems in XXXX, Texas, purchased an invalid debt from XXXX. They started calling me last month, but refused to discuss my issue unless I " verified '' my " personal information. '' I explained I refused to give them any personal information. The representative told me she could not discuss my case with me until I " verified '' I was me. ( XX/XX/XXXX. They called me, but I was in a place where I couldn't hear, so I called them back ).
They would not tell me who they were or why they called. I saw a new entry on my credit report ( the only derogatory entry ), and through a XXXX search, I was able to figure out they were, in fact, the ones who were calling me. ( I already successfully disputed the XXXX debt with a previous collection agency since the debt was invalid ).
I continued to refuse to give any personal information, and instructed them to no longer call me. I've given them this instruction every time I've spoken with them, yet they continue to call.
( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Missed call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Outgoing call ( XXXX ) XXXX XX/XX/XXXX - Incoming call
Company Response: Closed with explanation
2018-08-30
Milwaukee, WI
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Company Response: Closed with explanation
2018-08-30
Silver Spring, MD
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: I contacted " XXXX '' to initiate service in my new apartment was told I have an outstanding debt that I'm not obligated to pay due to the debt being over 5 years old.
Company Response: Closed with explanation
2018-08-29
South Florida, FL
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: The Company : 1. has refused to provide me with validation and assignment of debt documentation.
2. has threatened legal action and threatened to ruin my credit 3. asserted that I was a liar and that they will feircely collect on a debt their client claims to be valid.
4. has given no credence to the fact that this debt does not belong to me 5. is essentially using bullying tactics contrary to the law.
6. blatant refusal to provide me with contractual proof of debt evidences there unlawful collection practices.
7. company has called my phone despite clear instructions not to.
8. is in violation of the FDCPA, FCCA It is to be noted that this bully tactic will not work with me, nor will I sit back and allow an unscrupulous company to infringe upon my rights. Law suit is imminent.
cc. State Attorney Office, CFPB, FTC
Company Response: Closed with explanation
2018-08-27
Murray, UT
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I received a text message from XXXX that I had activity on my credit report on Sunday XX/XX/2018.
I signed in to my report to see a new collection from Southwest Credit Systems posted on XX/XX/2018 for {$300.00}.
I then called Southwest Credit Systems asking why there was a collection from them on my credit report. The operator told me it was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX because I have a cell phone account with them and asked them why they had sent me to collections. The XXXX XXXX XXXX operator told me that I was in excellent standing and that I was not sent to collections by XXXX XXXX XXXX. I returned my call to Southwest Credit Systems and told them what the operator at XXXX XXXX XXXX had told me. The new operator at Southwest Credit Systems said my collection had actually been paid, {$300.00} and that the collection account was closed with them. The operator gave me This account number- XXXX This address XXXX XXXX XXXX XXXX , CA.
I called XXXX XXXX XXXX back and asked them about any information linked to the above account number and address and they had nothing on record. I asked if they had any other accounts under my social security number and they had nothing. The XXXX XXXX XXXX operator also told me that XXXX XXXX XXXX would send me several notices in regard to my account prior to ever sending my account to collections for future reference.
Company Response: Closed with explanation