Southwest Credit Systems, L.P

2018-06-22

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-06-20

Alexandria, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In reference to complaint number XXXX. Company lied in their response about not receiving my Permanent Change of Station ( PCS ) travel orders ; I sent a copy of the travel orders to XXXX when I had to cancel the internet and cable service at my residence in XXXX. So Im submitting a new complaint to expose their lies with a copy of my PCS travel orders attached to this complaint. The early termination fee is not owed and the company fails to acknowledge that the debt is invalid. They refuse to take steps to remove the derogatory remark from my credit report and acknowledge that the debt is invalid. So lets see what ridiculous response XXXX comes up with this time ...
Company Response: Closed with explanation

Timely Response

2018-06-18

Wallington, NJ

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

2018-06-17

Atl, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I haven't lived at this address nor used this service in years this is a ongoing issue with other utilities companies
Company Response: Closed with explanation

Timely Response

2018-06-16

Alexandria, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: While I was in XXXX, I ordered cable and Internet services with XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I received XXXX XXXX and transferred to my new XXXX XXXX at XXXX XXXX VA since I work for the XXXX XXXX XXXX as an XXXX XXXX. I requested from XXXX for the Services to be transferred from XXXX to XXXX VA. The customer service representative advised me to keep the equipment until I moved to my new residence. After moving, I called to setup service at my new residence in XXXX VA but quickly discovered that XXXX doesnt service the area. So I had to cancel the service and returned all of the equipment. The XXXX representative confirmed that services couldnt be offered at my new residence and informed me that the early termination fee would be waived on my final bill. After receiving the final bill, I paid everything but the {$250.00} early termination fee that was supposed to have been credited. XXXX applied my payment to the early termination fee on the final bill instead of the amount owed for cable and internet services at previous residence in XXXX during last part of the billing cycle in XX/XX/XXXX. Then to add insult to injury, XXXX referred my account to a debt collection agency SW Credit Systems LP even though the account was in fact paid in full. SW Credit Systems LP has been calling me day and night to collect for a debt that I dont even owe and to make matters worse, they reported the bogus debt to the three credit reporting agencies which caused my security clearance with the XXXX XXXX XXXX to be suspended. Ive called XXXX numerous times and I was told that they would contact SW Credit Systems LP to resolve the matter and get them to remove the derogatory mark on my credit report so that my security clearance can be restored. Ive also requested from SW Credit Systems LP to remove the unjustified derogatory mark from my credit report and each time they refused. In the meantime, I can not work my normal job without a security clearance. Ive sustained damages well over {$10000.00}.
Company Response: Closed with explanation

Timely Response

2018-06-15

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I want to file a complaint against, SOUTHWEST CREDIT SYSTEMS, LP. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to SOUTHWEST CREDIT SYSTEMS, LP. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. Thank you in advance XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-06-15

Baltimore, MD

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-06-15

Fort Worth, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX ] Account Name : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
Company Response: Closed with explanation

Timely Response

2018-06-15

Cleveland, OH

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

2018-06-15

Bayside, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-06-14

Sacramento, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I recently ran my own credit report yesterday ( XX/XX/18 ) and discovered a debt collections company that has never contacted me has placed a collections account on my XXXX and XXXX reports. First of all, I do not owe this debt. They are accusing me of owing XXXX {$290.00}, but I dont. My XXXX account is open and paid on time every month. I called the company, Southwest Credit Systems yesterday and they claim to have sent 2 notices to an address I havent lived at in over 6 years. No one lives in that building anymore, it is closed. I imagine they will eventually have their notices returned to them by the post office as undeliverable. I have lived several places since then, and I know XXXX has my current address, as I have my current cable and internet with them right now. Southwest Credit Systems confirms theyve had my correct phone number this whole time, but they havent bothered to use it to attempt to call me. They did not give me an opportunity to dispute this debt before placing it on my credit reports. I opened a dispute about the debt with Southwest Credit Systems directly, as well as with XXXX and XXXX. I called Southwest Credit Systems again today, I spoke with someone named XXXX, to tell them they have to remove the report from my credit reports for 30 days because they never previously notified me of the debt or my right to dispute. They are required to notify me of the account, of my right to dispute, and give me 30 days to do so. They failed to do so, but they refused to make it right.
Company Response: Closed with explanation

Timely Response

2018-06-14

Gilroy, CA

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

2018-06-14

New Britain, CT

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: lost wallet years ago and i am a product of my negligence of leaving my wallet in a supermarket to only come back and it be gone ever since I haven't had any breaks years of repair is needed to stop these fraud accounts from being resold to new collection agencies act # XXXX
Company Response: Closed with explanation

Timely Response

2018-06-14

Columbia, SC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-06-13

Cypress, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-06-12

E Hartford, CT

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

2018-06-10

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: While owning a home at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX for approximately 6 months, I only had electrical service from XXXX XXXX XXXX for approximately 3.5 months of this time due to many restrictions of the home being vacant for an extended period of time. During this time, I never received a bill for payment until after the property was sold and transferred out of my name. I received a bill for approximately {$770.00}. I disputed the bill because the property was a rehab and was vacant. After electric was turned on in XX/XX/XXXX, a majority of construction was already completed using a generator, which would have use of any major tools drawing power. There were no major appliances being used during this time until approximately one week before settlement. The home was being heated with portable propane heaters because of an current electric furnace that was not functioning. Due to this, we decided to switch furnace to gas. Approx 1 week before settlement, XXXX XXXX XXXX came to hook up their end, at which time they struck an underground wire which prompted XXXX XXXX XXXX to respond for repair. After completed, the furnace became operational just a few days before final settlement. The reason that information is important, is because the furnace system was literally the only major appliance operational and was only operating for just a few days. I disputed this information to XXXX XXXX XXXX, and advised them we have all receipts, documents, and township permits to support our claim. They even obviously have the info regarding their repair in their system. There was no investigation done and they just took approximately {$100.00} off of the bill. I deemed that to be unacceptable and tried to suggest that there must have been some type of issue with the meter ( which was replaced by them after the fact ). Or there really was no true reading and XXXX XXXX XXXX just estimates bills due to the seasons. Either way it is literally impossible to incur such charges. The first bill from XX/XX/XXXX-XX/XX/XXXX was approx {$10.00}, then XX/XX/XXXX-XX/XX/XXXX was approx {$30.00}, then the next two bills were over {$300.00}. It logistically makes no sense at all and I disputed that there must be an explanation on their end because nobody was living in the house and only power being used was light bulbs until just a few days before settlement. After I received the adjusted bill of {$100.00} dollars off from my initial dispute, I called back to ask for investigation results and was denied any explanation at all. I stated I wanted to dispute still and demanded an explanation. I never heard back from them until I got a call from XXXX XXXX offering me something after I verified some information. Oddly enough, the only reason I entertained an odd phone call from XXXX XXXX XXXX in the first place was because I had recently applied for a XXXX XXXX credit card. After I Verified information, Southwest then told me about a collection rather than a promotional offer. I was surprised and told them I have been waiting to hear back from XXXX XXXX XXXX. They told me they would put status in dispute and contact XXXX XXXX I then went to purchase a car and the dealership advised me that I have a collection status on my report. At this time I called back XXXX XXXX to again resolve the situation. Supervisor XXXX XXXX ( refused to provide full name ) stated hat she would look into the situation. I requested all communication between myself and the company and the only thing I received was the final bill they had sent me 2 years prior. I never heard back from her and called 2 more times and left her messages without any return. Then I was able to speak with a different supervisor, XXXX XXXX XXXXXXXX ( also refusing to give first name ) who stated that the bill in question is too far out of date and no investigation could be completed but at the same time expects me to pay full balance for a situation that was never investigated at all or communicated with me. XXXX XXXX XXXX did state however that he would look into the debt collection placed on my credit report. I explained to XXXX XXXX XXXX that I will and want to pay what is fairly owed, however there is clearly an unfair handling of my account with no regard for me and proper justice and accounting. Since then, I have not heard back from him, after following up with him 3 different times. So I called on XX/XX/XXXX and spoke to an employee only identified as XXXX and asked her if she could verify my calls in their system and she did verify all of my attempts to call in to speak with Ms. XXXX and XXXX XXXX XXXX. She then stated that XXXX XXXX XXXX was not in yet today and would leave him a message to call me anytime after XXXX XXXX. Like all of my other attempts to rectify the situation, I again did not get a return phone call from XXXX XXXX XXXX. I have NEVER missed a payment on anything in my life and up until recently had a steady 850+ credit score. XXXX XXXX is abusing their power and authority with no regard for my personal being. All I wanted was to have this properly investigated with evidence of the alleged usage. XXXX XXXX XXXX was never able to provide the proof of usage to support their charges. Instead, they referred my bill to a collection agency, without ever trying to workout the situation, other the just send me a bill. Most of my documents are home depot receipts. If needed, I will contact my accountant for the settlement sheet proving sale just a few days after gas installation. However, both XXXX XXXX XXXX and XXXX XXXX XXXX will have records of their service work showing their work.
Company Response: Closed with explanation

Timely Response

2018-06-09

Stkn, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: SW Credit System or Southwest Credit or XXXX XXXX or XXXX XXXX or Southwest Credit Systems or XXXXXXXX XXXX Or whoever they are calling themselves today. Has placed an item on my credit reports showing XXXX as original creditor with an open date of XX/XX/2017 in amount of {$300.00} I have no idea who this company is nor have I ever had any business relationship with them. I do recognize XXXX but most certainly did not have service with them a year ago. A quick search turns up many complaints and statements such as " One of Southwests favorite collection tactics is to furnish negative information on the alleged debtors consumer credit report. '' Apparently whether they actually have the debt or not. The debt is not mine has been plced by mistake or fraud.
Company Response: Closed with explanation

Timely Response

2018-06-08

Houston, TX

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Company Response: Closed with explanation

Timely Response

2018-06-07

AL

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

2018-06-07

Winston Salem, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: We had an alarm system with XXXX and we had a dispute with XXXX and they said that they were apart of XXXX and that we had to pay our XXXX XXXX bill that they wrongfully billed us for and threaten to close my account and charge me as if I left my contract which is untrue because i tried to pay them the money but they would not take it and said they would have to turn my alarm system off. Which is unfair because when we signed a contract they had nothing to do with our separate dispute with XXXX XXXX. We did not inter our contract with the alarm with XXXX XXXX it was with XXXX and they are trying to collect something that has nothing to do with them. So we tried to pay them as I said but they did not take our money and I feel like how you gon na charge us to cancel the contract when you guys cancelled our contract without our permission so that is they fault because I cant make they take my money.
Company Response: Closed with explanation

Timely Response

2018-06-07

AL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I do not know This amount is listed on my credit report three time for three different companies, these companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, for the amount of {$350.00}. The last two number provided on this credit report ends in XXXX. The second recording of this amount, Southwest Credit System, XXXX XXXX XXXX, XXXX, Texas XXXX, the last two account number are XXXX and the third listing on this credit report is XXXX XXXX, this account ends in XXXX for the same amount of {$350.00}. Please remove these items from my credit report. I have a contract on some property.
Company Response: Closed with explanation

Timely Response

2018-06-06

Wonder Lake, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Good evening CFPB, Southwest Credit has sent me letters stating I owe them {$200.00} from an old XXXX account which has been closed back in XX/XX/XXXX. This company has been sending me letters stating I owe them money, I think they are trying to bully me out of this money by sending letters stating that they are following and regulations, but how is it I owe them anything? They are not even a utility company. Enclosed you will see a letter that they sent to me after I asked them to please delete this from my credit file. I also learned that even if you were to pay these debt collectors they still will not remove those negative items from your credit report. Please help me resolve this matter and get this item deleted from my credit report. Attached you will find the letter they sent me dated XX/XX/XXXX, and the letter stating that they can not delete this from my profile. Thank you for your assistance with this matter.
Company Response: Closed with explanation

Timely Response

2018-06-06

Covington, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I'm submitting a complaint against Southwest Credit , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Southwest Credit ) authorizing ( Southwest Credit ) to collect alleged debt. If debt was purchased from ( XXXX XXXX XXXX XXXX ) by ( Southwest Credit ) provide proof of purchase and the amount that was paid. Show me that you are licensed to collect in my state, and provide licensed number if you are. I have yet to receive the requested information.
Company Response: Closed with explanation

Timely Response

2018-06-05

Cottage Lake, WA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response