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 15
2018-08-25
South Florida, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Firstly, I admire the promptness by which Southwest Credit Systems responded to my complaint. Like I have stated in my previous complaint and in my letter to said company, I have no affiliation with them or their affiliate company ; nor am I affiliated with the addresses listed in the letters they supposedly sent me regarding this alleged debt. Namely, an XX/XX/2017 purportedly advising that they have been assigned a debt belonging to me. Once again, to the best of my recollection, I have had no dealings with Southwest or XXXX excluding letters sent requesting validation of the alleged debt to help in my investigation. You have stated in your XX/XX/2017 letter that the alleged debt has been assigned to Southwest. I hereby request through this forum, evidence of such assignment giving rise authority for you to collect on this debt. I am also requesting debt validation in the form of documentary evidence bearing my wet ink signature evidencing a contractual relationship between myself and XXXX and/or Southwest Credit Systems. As it stands, I am of the belief that you are violating the FDCPA by furnishing inaccurate information to the Credit Reporting Agencies. It is my understanding that XXXX is a giant cable company, if I did in fact entered into a contractual relationship with them, which I have no recollection of ever doing, XXXX and/or its affiliate Southwest Credit Systems should be able to furnish me with a signed agreement be it electronically or in paper form. Southwest sent me, what appears to be, bill statements. This means absolutely nothing to me and I implore Southwest to delete all negative account information it is currently reporting on my credit reports. Please provide me with XXXX means of validation. I have no obligation whatsoever to contact XXXX and/or Southwest, they out to ensure that the information they are furnishing the Credit Reporting Agencies are accurate, verifiable and complete. Sadly, this is not the case here. It is to be noted that I have been a victim identity theft. The Federal Trade Commission and the US Department of Personnel Management are fully aware of this fact. The evidence submitted is not debt validation but merely account statements alleging a debt without the fundamental proof of contractual relations. Needless to say, I am a litigious person, and if this matter is not dealt with favorably and expeditiously, I will have no option but to initiate legal action to enforce compliance of the FDCA. Pursuant to FDCRA, all collection activities ought to be stopped during the window where debt validation is pending. SCW has NOT yet validated this debt and as such it should NOT be reporting on my credit report. In light of the foregoing, SCW is in violation of FDCPA, and notwithstanding prior violations previously submitted. Consequently, this complaint serves to engage the services of FTC and/or CFPB to ensure that my consumer rights are protected and are not infringed upon by SCW. Additionally, it is hereby requested that CFPB administratively order SCW to remove all negative information from my credit report and cease all collection attempts until they provide me with Full Validation of the alleged debt. All rights reserved to seek compensation for all violations already committed to by SCW through the appropriate legal channels.I trust that this step will amicably resolved this matter ; thus averting the need for litigation.
Company Response: Closed with explanation
2018-08-24
Wallington, NJ
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Company Response: Closed with explanation
2018-08-24
Oak Lane, PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: S W Credit System XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Attempted to collect a XXXXXXXX XXXX bill I don't owe.
Amount {$290.00} FALSELY reported to the credit bureau 's.
Never provided me with any documentation.
Company Response: Closed with explanation
2018-08-23
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-08-23
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-08-23
Camden, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On behalf of XXXX, SW Credit Systems L.P is trying to collect a debt I never owed. I never signed up for this company in the past or had any affiliation with them at any point. Under the FCRA this debt should be deleted off my credit report since it was not verified. On my credit report it is saying that on XX/XX/2016, the account was opened and is now saying I owe an amount of {$240.00}.
Company Response: Closed with explanation
2018-08-23
Bolling Afb, DC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-08-21
San Francisco, NM
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2018-08-20
TN
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: Southwest Credit Systems has been attempting to collect an amount of {$84.00} for the past month and has now negatively impacted my credit by reporting a delinquency to the credit bureaus. I did not receive any calls, emails, or mail about it -- I learned about this from a credit monitoring agency. I called Southwest because I could not tell what this debt was for or who was claiming I owed it. They told me it was from XXXX for a charge from 2015. Apparently both they and XXXX were mailing information to the old address where I used to live and received the service but have not lived since 2015. I was never delinquent on a bill so I don't know where this is coming from. I have not seen any mailings informing me of this debt, and I do not think I have received any calls because no one has left a message.
Southwest mentioned -- and I do remember -- that a couple years ago, a different collection agency attempted to collect some XXXX-related debt from me, though I do not remember the details from that event. I believe I filed a complaint at the time because I similarly did not recall being delinquent on any payment, let alone one from so long ago.
I do not know why this has arisen and I do not know why it is suddenly an issue over three years after I moved from this address and closed out this account. I do not have any documentation because 1 ) this was from three years ago and 2 ) I closed the account because we were moving away from the address so I do not know why either Southwest or XXXX was sending me mail there, as they claimed.
Company Response: Closed with explanation
2018-08-20
OH
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: I have received numerous calls from Southwest Credit Systems from phone number XXXX ; they have called 10 times repeatedly at XXXX XXXX. for a XXXX XXXX. I called the company and stated they have the wrong phone number, the first customer service person hung up on me. I then called back again and told them they had the wrong phone number and to remove my number ( XXXX ). They again called back at XXXX six more times. As I was writing this I just received another 5 calls from them.
Company Response: Closed with explanation
2018-08-17
Margate, FL
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
2018-08-16
Newnan, GA
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-08-15
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2018-08-15
MA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: I requested a debt validation after I received a letter from this debt collection agency. All they sent was a bill with no signature or proof that it was my debt. The bill is in the amount of {$640.00} for a cable bill.
Company Response: Closed with explanation
2018-08-15
MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Hello. I got the credit alert that I have negative report by SWC.
I never opened any SWC or XXXX account.
So I called XXXX and SWC ( southwest credit system ).
SWC they couldnt find any of my info. even I let them know my full SSN ( They asked me ) Of course they dont have the record. I never owed money.
" looks like Mixed-record " thats what they said.
I checked SWC company reviews and reviewers are saying they never delete the record. ( even its not mine )
Company Response: Closed with explanation
2018-08-14
Clayton, MO
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX XXXX for a equipment that was returned. Southwest credit systems previously tried to collect. This debt was disputed and Diacharged. I received no follow up from southwest credit system after this late XX/XX/XXXX. Received a collection call from southwest credit solution on XX/XX/XXXX
Company Response: Closed with explanation
2018-08-14
Bon Air, VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-08-14
ME
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Southwest Credit Systems XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX
Company Response: Closed with explanation
2018-08-14
La Verne, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-08-13
Berkeley Lake, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-08-13
ME
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Tel : XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX
Company Response: Closed with explanation
2018-08-11
Miami, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-08-11
Miami, FL
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
2018-08-10
Glendale, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: XXXX claims i owe {$90.00} which i do not. I have disputed via XXXX XXXX cbr 's disputes 3 times and it still remains on my credit. every time i have disputed the item it seems to go to a new " collection company as a new debt? and one of which i do not owe! '' what this indicates to me is rather than providing proof and or any information as to why this debt is owed, or taken off my credit it goes to a new " vendor ''. First it was XXXX, then went to XXXX XXXX company now it is showing under southwest credit systems. I have said i would even pay the debt that i do not know to get it off of my credit however apparently that is not an option. i have been sent no verification of when this supposed debt occurred, why they state I owe it etc.
I have attempted to resolve this issue however it will not go away and just keeps coming up under different collection companies as a new debt.
Company Response: Closed with explanation
2018-08-08
Austin, TX
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Complaint: On XX/XX/2018 I was contacted by Southwest Credit Systems to collect a debt originally from XXXX XXXX. During that communication I requested that the company desist attempt to contact in accordance with the Fair Debt Collection Practices Act. The company continued to attempt to contact me until I answered the phone again on XX/XX/XXXX. I recorded this communication with the collection agent 's permission. In this phone call, the agent indicated that my file had notes from the previous call, to include my request to desist communication. After being asked about the continued calls, she then stated that she saw no such record of a request being made, and that she had not ever said there was such a record. The recorded conversation proves otherwise. Southwest Credit Systems is not only violating the Fair Debt Collection Practices Act, but maliciously altering company records in order to do so. I wish for all communication to cease from this company, except for the permitted communication allowed under the FDCPA. Thank you.
Company Response: Closed with explanation