Southwest Credit Systems, L.P

2018-04-02

Juniper Hills, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-03-30

Charlotte, NC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-03-29

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: We had XXXX XXXX. Due to service issues and consistently inaccurate bills with charges that were not as agreed, we cancelled service. We returned all equipment. In early 2017 we were contacted by a collection agency stating we owed {$140.00} to XXXX XXXX. We disputed this debt as we had not only returned our equipment but we had prepaid for services that were cancelled and not refunded, yet they proceeded to file a collection activity on my credit report. We were unable to remedy the situation with XXXX or the collection agency and filed a report with the CFPB in XX/XX/ 2017. The collection agency was unable to verify the debt with XXXX and deleted the error from my credit report. Last month I received a call from a new collection agency Southwest credit systems that a debt of {$140.00} from XXXX had been placed with them. I explained this matter was already resolved and XXXX could not produce documentation that it was a valid debt. I told them I was disputing the validity of the debt and of the sequence of events listed above. I asked them to send documentation it was a valid debt. I never heard from them again. Today, I was alerted that they placed a collection on my credit report for {$140.00} due to XXXX. Obviously, this debt is not valid and has already been proven as invalid and deleted from my report once. This was explained to south west credit systems yet they proceeded and are damaging my credit. I want the item deleted from my report immediately.
Company Response: Closed with explanation

Timely Response

2018-03-29

Henrico, VA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-03-28

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: To Whom it May Concern, SouthWest Credit Systems was reported for reporting incorrect information on my credit report. The removed the negative collection item from my report after my first report to the CFPB. They illegally placed my account in collections again, and I was notified today by my credit monitoring system. I was not notified by mail, and in fact the collection is a totally different amount then the first collection attempt. I've asked on several occasion to prove a initial contract between Southwest Credit Systems and myself as the original contract and debt. They were unable to prove that I owed them any money. This the second time that they place this fraudulent information back onto my credit report. I will be bringing a lawsuit against them as they have violated ( Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. ) per my attorney. They've also been calling and making threats. The original agreement from Southwest Credit stated that I owed them XXXX dollars and my credit report now states that I owe XXXX dollars. Which both amounts aren't factual as I've never entered an agreement with Southwest Credit Systems.
Company Response: Closed with explanation

Timely Response

2018-03-28

Mc Farland, WI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-03-28

Carteret, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-28

Hampton, VA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This debt was not verified. Ive tried reaching out to this company and tried asking them to validate the debt. They could not. I only received a bill. Nothing that Ive signed, a contract, dates, just a bill but no actual validation. The original owner of this debt is XXXX Ive contacted XXXX via phone and they were not able to locate my account or give me a balance that was owed. I went in store as well but again, they were not able to validate this debt. How is it that the debt collector can claim I owe XXXX dollars with no validation, but the original company can not locate my files? There is no signature, no breakdown of this debt.
Company Response: Closed with explanation

Timely Response

2018-03-28

Montclair, NJ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-03-27

Hampton, GA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-27

Santa Ana, CA

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2018-03-27

Audubon, PA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-03-27

Newark, NJ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-03-26

Howell, NJ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-03-26

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-03-26

Bedford, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Southwest Credit in XXXX Texas has my XXXX account. They are saying I owe XXXX for unreturned equipment and past due bills. The billing dates they have are incorrect. My service was already disconnected and XXXX is trying to charge me for months of service due to them billing months in advance. They are also billing me for unreturned equipment in which I returned ALL my equipment to their rep who came to my home. I even signed my name on his phone and he was picking up all the equipment. The date of service on the bill Southwest sent is XX/XX/XXXX-XX/XX/XXXX but I had XXXX XXXX at the end of XX/XX/XXXX. It is under my husbands name XXXX XXXX for our same address XXXX XXXX XXXX XXXX, XXXX TX XXXX. Call XXXX and verify please. I sent a long detailed debt validation letter to Southwest credit on XX/XX/XXXX and only received one thing out of 18 things I asked them to verify. They sent me a billing statement from XXXX with the incorrect payment amount. I have called Southwest many times and they are extremely rude and will not even try to listen to me. I need this to be looked into and researched asap. I do not want this to hit my credit in any way. especially with wrong information.
Company Response: Closed with explanation

Timely Response

2018-03-26

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I called on XX/XX/XXXX to have my tv and internet services temporarily disconnected effective XX/XX/XXXX. All of my information was confirmed, I then placed the rep on hold and she disconnected. I assumed service termination was processed. I then received a bill the following month. I was told that my request for termination was not processed due to the phone disconnecting. The following month I was contacted by the buyback/loyalty department to get me to resign up for services. I explained the issue with them and was told the bill would be credited, and new services would be installed under a promotional rate and I would also receive a gift card for signing back up. Upon installation appointment there was no line of sight. Due to this, I returned the equipment and was told that my balance was XXXX dollars. I called in a few weeks later to confirm and was told that I did have a XXXX balance. In XX/XX/XXXX I was contacted by Southwest Credit ( client reference number XXXX ) claiming they were calling on behalf of XXXX XXXX XXXX XXXX. I advised them I owed no money and they should not be calling me. Upon receiving the bill that XXXX XXXX XXXX provided them, I called and attempted to resolve once again and was told I would be contacted by the escalations team after they reviewed the recording and verified my initial request to have service terminated. I requested they pull all recordings thereafter as well so they will have the full story and know how many times I was told my balance was XXXX dollars. I have tried to resolve this issue on my own to no avail, I would like to have all notations on my accounts and all recordings reviewed and charges reversed and deleted. As my balance with this company should be XXXX dollars and I should not be harassed by collection attempts for a balance not owed.
Company Response: Closed with explanation

Timely Response

2018-03-25

CO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Got letter mailed XX/XX/XXXX saying I owed {$400.00} with no explanation of what for.
Company Response: Closed with explanation

Timely Response

2018-03-24

Reno, NV

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: I had a XXXX account and moved to an area that didn't offer it. I closed the account and they falsely charged me an early termination fee of {$120.00}. Over the next year we spoke to more than 12 different representatives, all of whom told me it would be removed. In XX/XX/XXXX I received a collections letter from XXXX XXXX for this charge. I called & spoke with XXXX and XXXX ( employee ID XXXX ) apologized and issued a {$200.00} credit to our account. ( Confirmation number XXXX ) I sent the letter and confirmation of credit to the credit agency. On XX/XX/XXXX I received a letter from Southwest Credit stating that their investigation confirmed that this amount was due. I called and spoke with supervisor, XXXX, who stated that they did not own the debt & that there was nothing they could do. This is false, as XXXX XXXX is the agency that reported this on my report. I then called XXXX and was informed that they had improperly applied the credit to my account AGAIN.
Company Response: Closed with explanation

Timely Response

2018-03-23

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-03-23

Houston, TX

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

2018-03-22

Kansas City, KS

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-22

Elizabeth, NJ

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

2018-03-22

Tampa, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-03-22

Seal Beach, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to arrest you or take you to jail if you do not pay
Company Response: Closed with explanation

Timely Response