Southwest Credit Systems, L.P

2018-05-06

Ontario, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Southwest Credit is a 3rd party collection agency attempting to collect a debt not owed to Southwest. I do not have a contract with Southwest Credit. I receive consistent phones call from this company daily. I have asked for a contract with my signature with Southwest and for proof of debt owed to them. I am requesting this collection be removed from all credit bureaus immediately. It was added last week and needs to be removed immediately, I am asking for all harassing calls to stop!
Company Response: Closed with explanation

Timely Response

2018-05-06

Philadelphia, PA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent a debt validation letter to Southwest Credit Systems on XX/XX/XXXX. They have not responded in writing to my request. However, on XX/XX/XXXX I was notified by a credit monitoring service of a negative collection entry on my credit report. Although I included a cease and desist request within the debt validation letter I received calls. I took one call on XX/XX/XXXX in which I explained the situation. They verified their receipt of my letter and their entry to my credit report. After I explained their violation of the FCRA regulation that prevents a company from taking such action before the validation of the debt, the representative stated that they don't delete entries on credit reports.
Company Response: Closed with explanation

Timely Response

2018-05-05

Glenn Heights, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Collection account appeared on credit report for ALL 3 bureaus and I have NO knowledge of this debt. Alert Date XX/XX/XXXX Source XXXX Company SOUTHWEST CREDIT SYSTE Address XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$250.00}
Company Response: Closed with explanation

Timely Response

2018-05-05

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Debt collection was opened XX/XX/2016 for the amount of {$140.00}. This account opened without my permission with my personal information. I did dispute on my own and Account is now showing closed. I am not responsible for this account and should not have to be effected for the negative impact on my credit report.
Company Response: Closed with explanation

Timely Response

2018-05-04

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-05-04

Chester, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-05-04

MD

Incorrect information on your report

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

Account information incorrect
Complaint: I was notified of new delinquent accounts on my credit report, I checked into these delinquencies to find that it was two different collection agencies reporting the same debt for two different amounts ( {$2500.00} & {$980.00} ) as of XX/XX/2018. I am not aware of these debts and have only been contacted by one agency in regards to this debt and asked if they could send in debt validation, in which, I have not received.
Company Response: Closed with explanation

Timely Response

2018-05-04

Skyland, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-05-04

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company is trying to collect {$1400.00} from me for a bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Company Response: Closed with explanation

Timely Response

2018-05-02

Florence, KY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/XXXX I received a notification from my credit monitoring company that Southwest Credit Systems had reported a collection account on my three credit reports for an internet company ( XXXX ). This collection company or XXXX has never contacted my in any form to make me aware of this alleged debt. The last time I spoke with a representitive at XXXX on XX/XX/XXXX and spoke to XXXX he told me that I had a XXXX balance and gave me a confirmation # XXXX. This is was the last time have have spoken to or heard from anyone. I have contacted both Southwest Credit and XXXX to provide my confirmation number but they are refusing to remove this from my three credit reports. I am in the process of buying a home but have now been denied the loan due to false collection on my credit report.
Company Response: Closed with explanation

Timely Response

2018-05-02

Upland, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-05-02

Coalinga, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I'm filing this complaint because I have had it with Southwest Credit Systems. They are attempting to collect a debt for XXXX that I do not owe. I know for a fact I don't owe it because I have XXXX services currently and have for years. Furthermore, I have communicated back and forth between XXXX and Southwest Credit Systems for months to figure out what's going on and I am being told I don't owe money. To be more specific on my complaint, I will describe what actually happened. Back in XXXX I noticed there was a collection on my credit report for XXXX. It was being reported by Southwest Credit Systems. Because I had XXXX for years, I didn't know why I owed a collection since I pay my bill every month. I decided to call Southwest Credit Systems. They attempted to inform me that the bill was for non returned equipment to XXXX from prior services. I knew that I left XXXX in good standing in the past so I knew this was a bogus reason. I decided to call XXXX. If I really owed XXXX money for prior non returned equipment, why did they render services to me again? Also, why didn't they tell me about a pending balance at the time of re-establishing services? When I called XXXX I informed them about what Southwest Credit Systems said. The XXXX representatives said there was no money owed. I then called Southwest to inform them of this but Southwest told me they spoke with XXXX and XXXX claims I owed money. I was shocked so I called XXXX back. XXXX then assured me there was no pending balance and that they had no prior balance owed in their system. Once I heard this I was furious. Furious at Southwest Credit Systems because they lied to me. After several calls back and forth between XXXX and Southwest I finally hired an advocate to assist me with this problem as it was damaging my credit report and both companies kept changing their story. On XX/XX/XXXX, my representative called Southwest and requested validation of debt. he confirmed my address with them. To this day I have not received validation of debt and it has been 43 days since it was requested. To follow up on this validation of debt and the account as well, my representative and I kept in touch with XXXX and Southwest systems. At one point, XXXX said that I did owe money but for equipment only. They then changed their mind and said I didn't owe any money. On my representative 's side, Southwest said they verified with XXXX that the bill was for services and not equipment. That the services were for XXXX and XXXX of 2015!! I've had current nonstop services with XXXX at least since that time. Obviously I am now very upset because I have no idea what's going on. If I did owe money to XXXX for Services in XXXX and XXXX of 2015, then why wouldn't they tell me? Also, I know it's impossible because my current service with XXXX has been going on since then. If I did owe for equipment, then why is XXXX saying I don't owe them? Why is Southwest and XXXX giving me multiple versions and never the same version of what I supposedly owe? Why haven't I received validation of debt within 30 days of request as mandated by law? How could this debt be verified at the credit bureau level if Southwest can't even figure out what I owe and why it's owed? I am now at the point where I don't care. If I have to. I will sue Southwest and XXXX as they are causing me damage to my credit report and can't give me a straight answer. I am reporting this to you so you can see that this is a sham and both XXXX and Southwest need to stop with this nonsense.
Company Response: Closed with explanation

Timely Response

2018-05-02

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I checked my credit today and saw Southwest Credit ( SWC Group ) about a balance on my credit. They stated it was reported in XX/XX/XXXX but when I advised I moved from location in XX/XX/XXXX she then continued to advise me they received the debt in XX/XX/XXXX. I informed them that I never received any calls or notification from them in reference to the debt. She then told me they're a data company and don't have to send me a validation of debt. I asked her if she was a debt collector and she stated yes. I then advised her I was a collector and she then confirmed they are a collection agency but then quickly changed her response back to they don't have to send me anything. She then said she's going to transfer me to someone who's going to tell me the exact same thing. Was placed on hold and nobody ever came back to the line. I never received any communication of them having the debt and was refused a validation period. SWC Group Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2018-05-02

Albuquerque, NM

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: An internet company, XXXX and credit collection company, Southwest Credit are trying to scam me for {$140.00} I do not owe. I have never had an account with XXXX. Those companies, with no notification to me, filed this debt on my credit record on XX/XX/XXXX. I learned about it on XX/XX/XXXX. I called SW Credit, they said it was a bill that I owed XXXX XXXX from XX/XX/XXXXand XXXX had purchased XXXX XXXX. I did have an internet account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I had a XXXX XXXX, my wife was a XXXX victim. After my XXXX we had to close our home and move into a XXXX home. XXXX XXXX was notified, the antenna and all internet equipment was shipped to them. The contract was cancelled, they sent a final bill. It was paid and we never received further correspondence from them. Then three years later, this appears on my credit report. My wife has XXXX XXXX. I am an XXXX year old XXXX XXXX XXXX XXXX XXXX veteran, live alone on a fixed budget with little but my past memories. As a matter of decency, I would like this removed from my credit record.
Company Response: Closed with explanation

Timely Response

2018-04-27

Ancho, NM

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Today XX/XX/XXXX I received a alert that my credit report received a Collections account, at this point I viewed my report because from my understanding I did not owe anything. The company that was reporting was Southwest Credit Systems, LP, for a water bill I had in XXXX. I then called XXXX XXXX because when I left XXXX in XX/XX/XXXX I was under the impression that my Bill was paid before we left state. According to XXXX XXXX there was still a generating Bill that had not been sent out. I was then asked why I was not notified by phone of this debt with me out of state I was would of paid what I owed from generating Bill, lady from XXXX XXXX stated they don't call just send out notices. I then contacted this Company Southwest Credit Systems, LP why then was I not notified by them in XX/XX/XXXX when they got my file. The gentlemen on the phone stated that I was on DO NOT CALL LIST, I advised him this was not true. He said they sent mail to my parents house in XX/XX/XXXX BUT I NEVER GOT ANY MAIL, PLUS I DONT LIVE AT MY PARENTS I HAVE LIVED IN DIFFERENT CITY prior moving back to XXXX from XXXX. I then asked him there has to be a law in putting something on a credit report with out the proper notification of the person owning the debt, I explained to him this will hurt my credit and if they could remove the Collection on my credit report SINCE I DID NOT NO ABOUT THIS DEBT or I was not properly notified. I told him I NEVER new about this and if I did I would of happy to paid it. He stated that I could file a dispute with there company. Upon talking with him I could hear he was being coached in the back ground then he put me on hold. He then came back and said I could not remove this off my credit report or file a dispute since they are a data furnisher ( which I have no idea what that means ) he said they don't have to notify me by mail or phone that they can put what they need on a credit report. I told him this was against the law, I could still hear this lady coaching him in the back ground. I then asked to speak to a supervisor, upon speaking to her, I explained my information. But according to her they show NOTHING ME BEING A DO NOT CALL LIST. So the company was now lying to me, and she didn't know why he said that. So my question then was IF YOU HAD MY FILE SINCE XX/XX/XXXX why no phone call. She then stated again they are a Data furnisher and they don't have to call. I then explained again this was against they law, they can't just put a collection notice on a report with out making the proper notifications first. She said I could not dispute this coming off my report. Im ok with the balance I am going to pay the XXXX I owe, but I am not ok with the practices this company has, they have over 547 complaints online, and most of them are the same notifications procedures. Thank you for you time in this matter, I would just like this off my credit report please.
Company Response: Closed with explanation

Timely Response

2018-04-26

Finksburg, MD

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-04-25

Lewisville, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX SSN XXXX You are hearby notified in writing just as you were on the phone on XX/XX/2018 that you have added a fraudulent account on my credit and dinged me 100 points for something that was removed 3 years ago. I informed you on the phone that this was fraud and it was closed yet you continued to ask for credit card information. You have violated my rights but adding this fraudulent account. I asked for a return to creditor letter and to have this removed but you refused. It is also recorded on my phone. I have sent this over to XXXX and XXXX. I have also filed a complaint with the XXXX and consumer financial department. What I want This debt to be removed from my credit today A return to creditor letter What I have provided Fraud affidavit 3 separate police reports showing each time an account was opened due to identity theft. Credit score before you dinged it Credit score after XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-04-25

Clinton, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: My XXXX credit report is showing Southwest Systems LLP brought a closed account from original creditor XXXX of {$690.00}. My account with XXXX closed in XX/XX/XXXX. In XX/XX/XXXX, I moved from XXXX XXXX XXXX, XXXX XXXX, MD after separation from my ex-spouse. The account was closed and satisfied. A new account and account number was established at my new residence XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX. When my ex-spouse XXXX XXXX and Son XXXX XXXX, XXXX established a account with XXXX, XXXX reopened the original account at the residence of XXXX XXXX XXXX, XXXX XXXX, MD. In my attempt to acquire Credit in XX/XX/XXXX, it was determined that this was showing again on my credit report. This is when I contacted XXXX, XXXX Fraud Unit regarding the matter. XXXX informed that the account was inappropriate reestablished.
Company Response: Closed with explanation

Timely Response

2018-04-25

Fort Lauderdale, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-04-24

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-04-23

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have a collection from XXXX XXXX for a XXXX account. I've never had cable service in my entire life. I tried to dispute the charge to no avail.
Company Response: Closed with explanation

Timely Response

2018-04-20

DE

Incorrect information on your report

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

Information belongs to someone else
Complaint: I'm right in the middle of trying to obtain a mortgage and some how I have a bogus account pop up on my credit report it has lowered my score 8 points and the worst part is I don't have any services with this company and they had the nerve to send me to collections. It states on my report that I opened this account in XX/XX/XXXX and it's on my credit report for non payment, I haven't received a letter or anything the amount is XXXX dollars and it's supposed to be for internet services, I have had XXXX internet for over 2 years.
Company Response: Closed with explanation

Timely Response

2018-04-20

Forney, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Requested detailed information for this debt did not receive they are reporting SW Credit Systems Then I guess sold to XXXX XXXX or vice versa They are both reporting the same amount but unable to get any information of exact details of the debt.
Company Response: Closed with explanation

Timely Response

2018-04-20

Phoenix, AZ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-04-19

Newark, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response