Southwest Credit Systems, L.P

2018-08-08

Stafford, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-06

Inglewood, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-03

Houston, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-08-02

Finksburg, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I paid my balance of XXXX and they put it on my credit report after they cashed the check and then said that I owed XXXX.
Company Response: Closed with explanation

Timely Response

2018-08-02

Victorville, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I contacted Southwest Credit Systems to try to get information as to the validation that never occurred. I paid the final bill that XXXX presented. We went into the XXXX office and paid the balance that they requested at their office. There was no communication that there was any other balance. My wife changed her number to a different account and I changed my phone number to my work phone. I have never received any bill from XXXX or Southwest Credit Service yet they have reported a collection account. Southwest Credit Systems claims to have sent validation notices to a P.O. Box but I have never received it. I requested it again. They said they would send it to a new address but they refuse to remove the account while the validation process is completed. They reported it to credit before any validation. I asked for their Agent For Service contact information and they have refused to give it to me. They claim that the only mailing address is their XXXX XXXX XXXX XXXX Texas. They claim that their agent for service does not have an email or a fax number. I spoke to XXXX. I also spoke to XXXX 's supervisor. Their refusal to provide me information to serve legal notices is appalling and a direct attempt to avoid obeying the law.
Company Response: Closed with explanation

Timely Response

2018-08-02

NV

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: On checking XXXX XXXX, XXXX XX/XX/2018, there was a new derogatory report filed at the page : Derogatory Account Southwest Credit System XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2018 from XXXX Once again, a cheesy, sub-par debt collection agency utilizes the credit monitoring system in order to harass and intimidate those who are struggling to maintain what little positive credit score remains after a major financial setback. If it had any capability at all in collecting the debt, it would not need to resort to blackmail in order to achieve its goal. In the first place, the debt was not owed to the company listed but from a third-party source that knew well the risk involved in an uncollateralized and unsecured loan. In this modern society where individuals and companies are held accountable for political correctness, these low form debt collectors are allowed to operate freely and without restriction. In collusion are the credit monitoring agencies, XXXX, XXXX XXXX and XXXX in reporting unsubstantiated claims without at least consulting the target of the harassment campaign.
Company Response: Closed with explanation

Timely Response

2018-07-31

Victorville, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I am in the middle of a home loan purchase and Southwest Credit Systems reported a collection account for XXXX with no notice at all. I have not received a single notice or opportunity to determine if the debt is valid or not. I recently changed plans to be on the same plan as my employer and I paid all presented bills. I should not have any balance. I have no idea what this is for.
Company Response: Closed with explanation

Timely Response

2018-07-31

Chesapeake, VA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-07-28

Skipperville, AL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I received a letter on XX/XX/18 that I owed {$670.00} to a XXXX company. I had no idea what this was until I XXXX the name. Its a satellite internet company. The address on the letter was not my address and I have never had satellite internet where I live. I then sent a debt validatation letter through certified mail on XX/XX/18 with a return receipt that was accepted on XX/XX/18. I still have not heard anything and we are in the end of XXXX. I am concerned because this is not my debt and this company refuses to give me proof. From the laws and speaking to my attorney they had 30 days to respond. It has almost been 90 with no response.
Company Response: Closed with explanation

Timely Response

2018-07-28

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Complaint about Accounts With a Negative Pay Status I never had the XXXX service and wanted to dispute it called collections SW Credit Systems to have it removed. I came to the terms with them that if I pay this debt they will erase it off my credit. I never purchased the service and never had an account with XXXX. I assume this would be the easiest way to solve the problem as I was told by SW Credit Systems. I paid the balance and SW marked the debt as paid and left me with a Negative pay status. Instead of what the representative promised to remove it completely. Company complaint about of a fraudulent XXXX bill. South West Reference Number # XXXX XXXX credit systems XXXX XXXX XXXX XXXX TX XXXX People involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Accounts With a Negative Pay Status LENDERTYPEBALANCE Southwest Credit Sys ... CollectionsCOLLECTION/CHARGEOFFOther {$0.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Paid Amount Past Due Not Reported Account Details Bureau Name SW CRDT SYS Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XX/XX/XXXX Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Paid collection.
Company Response: Closed with explanation

Timely Response

2018-07-28

Las Vegas, NV

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

Timely Response

2018-07-27

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/XXXX I was XXXX out of the United States. Before leaving I took the proper steps to suspend my account due to military XXXX with XXXX XXXX. I suspended the account on XX/XX/XXXX. On XX/XX/XXXX and once I was no longer in the states, XXXX reopened my account for another individual who moved into my old apartment. The customer service stated they had the right " because they knew my address '' which was an address I no longer lived in due to being XXXX. I feel this is a privacy violation and seems XXXX was very open to giving my account to another individual I do not know, and am concerned on what else they sent and gave them that could have possibly contained private information. Once the situation was brought to the company 's attention I was verbally told the amount would be credited to my account. On XX/XX/XXXX, I returned my router and equipment and had to talk to another individual at the XXXX XXXX, VA store on XXXX XXXX because the problem still was not resolved. She was extremely helpful and wrote down voucher numbers for each credit that was supposed to be on my account. I was charged {$120.00} along with {$93.00} and a large amount of late fees due to myself not knowing or paying the charges because I was no longer in the states. The late fees were dropped, and after the encounter at the store the {$120.00} was dropped and no longer held against me. I found out that once again XXXX had not cleared me of the {$93.00} which was disputed on XX/XX/XXXX for the third time. After which I was told once again the charges would be dropped. I also called each credit bureau to dispute the charges off of my credit. I noticed the charges were dropped off of my XXXX XXXX account as well. I moved to XXXX on military XXXX in XX/XX/XXXX. Now on XX/XX/XXXX I received a letter from a Debt Collector by the name of Southwest Credit stating that I still owe XXXX the {$93.00} that was disputed and closed two years ago. I have called the collector and am once again disputing the charges. While talking to the Debt Collector I was told that XXXX had opened the account with them on XX/XX/XXXX. I tried to upload documents to the website the Collector gave me in the letter but was blocked from doing so. I feel as if XXXX is extremely careless in how they handle accounts. My private information was not protected and my account was allowed to be opened under someone who I do not know and someone who could have possibly used my information in a negative way. I do not owe these charges and it is completely wrong for XXXX to keep harassing me for an amount I do not owe, and was closed two years prior after being repeatedly told that I would be credited.
Company Response: Closed with explanation

Timely Response

2018-07-27

Scranton, 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
Complaint: SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt. Please investigate this account and have this company immediately remove their reporting immediately from my records. Thanks, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-07-25

Baltimore, MD

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-07-24

Avon, CO

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

Timely Response

2018-07-23

Chicago, IL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: PLEASE BE ADVISED THAT : Southwest Credit Systems, L.P AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( see CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XX/XX/XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XX/XX/XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. Accordingly, XX/XX/XXXX, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XX/XX/XXXX from SOUTHWEST CREDIT SYSTEMS, L.P. ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, whenXX/XX/XXXX ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.
Company Response: Closed with explanation

Timely Response

2018-07-23

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have written this company and they refused to respond, saying that my letter came from a company/organization. And they ignored my previous request to provide applications or security agreements that were completed by me to prove the initiating of this account. This account does not belong to me, and I did not initiate such account with them or the original company.
Company Response: Closed with explanation

Timely Response

2018-07-22

Phoenix, AZ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Southwest Credit Systems L.P claimed I have an open account with them. They state the original creditor is XXXX. I dont even have a XXXX account. Id like this resolution to be solved immediately to ensure my credit score remains growing to the higher levels.
Company Response: Closed with explanation

Timely Response

2018-07-21

Philatelic Center, CA

Incorrect information on your report

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

Personal information incorrect
Complaint: I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with XXXX. I also filed a complaint with the FTC, which I have attempted several times to upload to the XXXX website per their request, but it keeps crashing.
Company Response: Closed with explanation

Timely Response

2018-07-20

Phila, PA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2018 I entered into a payment arrangement to settle an unverified debt. The agreement was for a specified automatic withdrawal amount which was deducted every month since the agreement which included the cease of any further collection activity and or any negative reporting on my credit report. On XX/XX/2018 I was informed by a credit monitoring service that a collection account was reporting.
Company Response: Closed with explanation

Timely Response

2018-07-19

Liverpool, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have contacted SW CREDIT regarding account ASSOCIATED WITH XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have faile to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft. There is no contract and furthermore I have not had any dealings with SwCredit nor the company XXXX it represents.
Company Response: Closed with explanation

Timely Response

2018-07-17

Vallejo, CA

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

2018-07-16

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-07-16

Chesapeake, VA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-07-16

Watkins, CO

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: Southwest Credit Systems, L.P. at XXXX XXXX XXXX, XXXX, TX, XXXX, has falsely reported to XXXX that I did not compensate XXXX for the amount of {$170.00} for service rendered between XX/XX/XXXX to XX/XX/XXXX at an address at which I have never resided. When informed of this collection activity, I called Southwest Credit Systems, explained I was unaware of and not responsible for charges at an address I knew nothing about. I was told at that time they would inform XXXX that I was likely a victim of identity theft, and the charges would be dropped. Instead, I find they have reported it as an unpaid collection item to XXXX.
Company Response: Closed with explanation

Timely Response