Southwest Credit Systems, L.P

2018-07-11

Laurel, NY

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-07-10

Oakland, CA

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-07-09

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To whom it may concern, This debt was on my credit report in the past under another debt company " south west '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXX XXXX XXXX and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.
Company Response: Closed with explanation

Timely Response

2018-07-06

Camarillo, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-07-05

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XX/XX/XXXX I received a letter from XXXX XXXX XXXX re : a XXXX phone bill they are trying to collect in the amount of {$5100.00}. XX/XX/XXXX I mailed a certified mail return receipt letter to XXXX responding to their attempt to collect the debt. I indicated that I do not have any responsibility for this debt, I'm disputing it, and that if XXXX forwarded or returned it to another company, to indicate that it was disputed. - I have never had a XXXX phone account and my name is not " XXXX XXXX ''. I mailed a letter to each of the three credit bureaus ( XXXX, XXXX, and XXXX ) with the collections letter from the creditor, letter to creditor disputing item, copy of birth certificate, and copy of auto insurance statement verifying current address. XX/XX/XXXX The date of my corrected XXXX Credit Report indicating the outcome of the investigation : " Deleted - this item was removed from your credit report '' XXXX XXXX, XXXX I received a debt collection letter from Southwest Credit . This company is trying to collect the exact same debt that XXXX attempted to collect and was found to be wrong and removed from my credit. I am submitting this complaint in an attempt to stop this cycle of one company selling an " already proven invalid '' debt to another company and so on.
Company Response: Closed with explanation

Timely Response

2018-07-03

Bancroft Hall, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I received a written attempt to collect a debt from XXXX XXXX XXXX, TX on XX/XX/XXXX, dated XX/XX/2018. I spoke with the purported creditor, who confirmed that my account is current and in good standing and has not been delinquent, and furthermore, that they do not work with the company who contacted me to collect the purported debt. I called and spoke with a representative of the collector and their supervisor who would not provide any detail as to why this debt was owed, nor a professional license number.
Company Response: Closed with explanation

Timely Response

2018-07-03

Saint Clair, MO

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Received a letter from the collection agency XXXX XXXX stating that I owe them for an account with XXXX. I had XXXX XXXX insurance and renter 's insurance from XX/XX/2017 to XX/XX/2017. I paid up until the renewal date. I elected not to renew. I asked for verification of the debt and XXXX sent me a letter from XXXX stating that I must show coverage from XX/XX/2017 to XX/XX/2017 in order to receive credit for the {$150.00} they were trying to charge me. My policy renewed on XX/XX/2017 and I didn't renew. XXXX 's policy states on page 51 if their Missouri XXXX XXXX XXXX : # 3. Nonrenewal by YOU " If we offer or continue and you or your representative do no accept, this policy will automatically terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. '' I did not accept their offer and there is no language in their manual that stated that I needed to pay anything beyond the date of renewal if I didn't want to renew with them. They did not respond to the letter I sent to them explaining this and continued to pursue via collections. I didn't know this until I received notifications that a change was made to my credit reports.
Company Response: Closed with explanation

Timely Response

2018-07-03

Middletown, CT

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

2018-07-01

Cadwell, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I contacted this company to let them know that this must be an error. They put this information on my report without contacting me. The original creditor was not owed and also if they were the debt was pass the statute of limitations for collecting due to utilities such as TV, cable, internet and phone has to be collected within 2 years from delinquency. All said I do not owe this company.
Company Response: Closed with explanation

Timely Response

2018-06-29

Main Office, VA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have reached out to Southwest Credit Systems L.P. on multiple occasions to let them know of a fraudulent account under my name and social security number. I asked them to furnish me with an detailed list of billing, showing what items I was supposed to be charged for and I was never recieved any information from them after 2 calls about this. I have NEVER have used this account and these charges are fraudulent!!! The company removed all charges from my credit history previously and after I resolved this charge it appeared again after months of being in dispute with this fraudulent company. I want this item removed from my credit report once and for all and I want a letter to be furnished showing that this is a mistake because this is hindering my able to obtain credit at places and last resort is to pursue legal action to have these items removed.
Company Response: Closed with explanation

Timely Response

2018-06-29

Lk Buena Vis, 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

Timely Response

2018-06-29

NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I am being harassed by now a third debt collection agency attempting to collect an invalid debt which the original invoicing company, XXXX XXXX XXXX, has already agreed I do not owe. I first received a letter dated XX/XX/XXXX from XXXX XXXX XXXX of XXXX, XXXX indicating I owed {$220.00} to XXXX ( formerly XXXX XXXX XXXX ). I notified this company by phone that I had resolved this issue directly with XXXX and that their active invoices indicate I am completely current with all invoices. I asked that they no longer contact me about this invalid debt. I then received a letter dated XX/XX/XXXX from XXXX XXXXXXXX XXXX of XXXX, XXXX indicating that I owe this same amount to XXXX XXXX XXXX. First by phone on XX/XX/XXXX and then online, I requested this company to stop contacting me about this invalid debt and suggested that they talk with their XXXX XXXX contacts. I just received a letter dated XX/XX/XXXX from Southwest Credit of XXXX, XXXX asking me to pay the same {$220.00} they say I owe to XXXX XXXX XXXX, indicating that if I do not dispute this debt in writing within 30 days, it will be assumed to be valid. This letter references a Southwest Reference number XXXX. This letter also referenced North Carolina Department of Insurance Permit # XXXX. I am asking the assistance of the Federal Trade Commission to put a stop to these debt collection agencies selling this account of invalid debt to other collection agencies and then harassing me about a matter settled in XX/XX/XXXX. If appropriate, please include the XXXX Dept of Insurance in your inquiry as I view the behavior of these agencies as unscrupulous and worthy of investigation by state regulators as well.
Company Response: Closed with explanation

Timely Response

2018-06-29

Lk Buena Vis, 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

Timely Response

2018-06-28

Heath, TX

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-06-28

SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Southwest Credit is continuing to attempt to collect on a debt that is a result of identity theft. I have mailed several request because they told me they don't have a fax number but they deny receiving anything. I'm now asking you to help me resolve this matter. i have saved and will upload information for your review.
Company Response: Closed with explanation

Timely Response

2018-06-27

Glenn Heights, TX

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-06-27

Richardson, TX

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-06-27

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: ACCOUNT WAS PAID IN FULL TO ORIGINAL CREDITOR. 3RD PART COLLECTION AGENCY SOUTHWEST CREDIT SYSTEMS PLACED NEGATIVE REPORTING THAT A BALANCE IS STILL OWED WHICH APPEAR TO BE INTEREST OR PENALTY. I HAVE WRITTEN THEM & CONTACTED THEM MORE THAN TWICE WITH NO RESOLVE.
Company Response: Closed with explanation

Timely Response

2018-06-26

Patterson, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Three times over the last four years a collection agency has placed a charge of {$690.00}, the original creditor was XXXX. This was a debt of identity theft. I did not live at the address of service ; I don't know anyone who lives at the address of service and I did not authorize the service. The current collection agency is Southwest Credit Systems, LP. They reported the charge to XXXX on XX/XX/2018. I wrote them a letter on XX/XX/2018, to dispute the debt. At the request a former collection agency I reported the identity theft to XXXX XXXX police. I currently have a valid XXXX account that I have had for the past 18 years.
Company Response: Closed with explanation

Timely Response

2018-06-26

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The original creditor was charging me for boxes which was XXXX. After switching companies a third party company working on behalf of XXXX came out to the home and picked up the equipment. I am assuming that there was a miscommunition between the two companies. The equipment has been picked up and verified. This debt has been removed several times, but is reinstated on my credit reports with the 5 day notification, nor reason why it is able to be reinstated on my credit report.
Company Response: Closed with explanation

Timely Response

2018-06-26

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: My credit score dropped 57 points in three months so i investgated this and found that the collection agency did not do the homework .They are saying i owe XXXX {$87.00} and i called XXXX and they said sir all you past accounts with us were paid in full and you owe nothing to XXXX.So i called the collection agency and the girl told me they do not have my social security number on the account that is owed.So i ask XXXX XXXX the collection agency supperviser how this happened and she said she did not know, I asked her to get my credit score back to were it was before the falsely acused of owing XXXX money it is someone elses social security that they are looking for not mine.The collection agency is ( SouthWest Credit Systems ) ( XXXX ) XXXX.Ask for XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-06-26

Philatelic Center, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Southwest Credit of XXXX XXXX XXXX, Suite XXXX in XXXX TX XXXXcontacted me by phone on XX/XX/2018 claiming they were trying to collect a debt owed by me. I was unaware of said debt and dispute the validity of this supposed debt. They threatened to damage my credit history and take legal action against me if I did not pay. When I continued to assert that the debt was invalid they called me a " XXXX son of a XXXX '' and demanded that I provide a credit card number to pay immediately. At this point I disconnected the call.
Company Response: Closed with explanation

Timely Response

2018-06-25

New Bedford, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had an account opened with XXXX in XXXX the payments got to high so i canceled with them leaving me with a balance of {$380.00}. They were billing me one month in advanced and a partial month. I payed the partial i refused to pay for services that i did not use i returned the equipment and the lady told me i was all set with a XXXX balance. Mind you i have two accounts with them in witch one account stood open actually till this day witch i am in good standard with. For the last two years never heard nothing till XX/XX/XXXX got a letter from Southwest Credit asking for money the balance was {$360.00} they offered to settle at {$230.00} That was sold to a 3rd party collection agency. In the letter they stated i could either resolve it or dispute it, so i started disputing it with XXXX. I opened an investigation and it was requested to be deleted from any consumer credit reporting agency.XXXX had ceased all collection activity and it was deleted off my credit report. All of a sudden my credit drops down 10 points and to my surprise i am in collection once again. This is uncalled for i had fought for this to be removed I was not found at fault this is my credit and it means something to me i have been working on it for a long time please look into this for me and help me in any way you can i would greatly appreciate it so much. Thank you in advance for your time and patience.
Company Response: Closed with explanation

Timely Response

2018-06-23

Hollis Center, ME

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Company Response: Closed with explanation

Timely Response

2018-06-22

Great Neck, NY

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

Timely Response