Southwest Credit Systems, L.P
Consumer Complaints
There are over 1941 complaints on file for Southwest Credit Systems, L.P. Dated between 2019-12-12 and 2013-07-19.
Complaints Page 24
2018-03-20
Saint Clair, MO
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On XX/XX/XXXX I sent out validation Letter to the company whom have been requesting me pay a debt of {$170.00}. On XX/XX/XXXX the company SouthWest Credit ( collection agency ) sent me back on letter that enclosed the account, company, policy number and dates for the coverage they claim I owe. However they have failed to validate this account belongs to me. I am requesting this collection be removed from my credit report with all three CB 's. This is destroying my reputation as a credit worthy individual.
Company Response: Closed with explanation
2018-03-20
Fort Lauderdale, FL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-03-19
Texas City, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: XX/XX/2018 I contacted XXXX as a result of identity theft and inform them that I have not received no credit or any phones from them and that they needed to correct my credit report as they have denied it.
Company Response: Closed with explanation
2018-03-19
Howell, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Company Response: Closed with explanation
2018-03-18
College Hill, PA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: Policy Number : XXXX I faxed XXXX XXXX XXXX Collection Supervisor at XXXX twice Auto Insurance Policies documents showing the date I cancel the Policy with XXXX before payment were due, Never received a respond, he just since this false payment to the Collection Agency ( Southwest Credit ) since I never paid the falsely requested amount of {$120.00}.
Company Response: Closed with explanation
2018-03-18
Simi Valley, CA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: Southwest : Sent documentation affirming debt of XXXX however. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to Southwest as a debt buyer ) to justify continued collection attempts. This is my right. Additionally, ( 2 ) This is an active attempt to collect usurious interest as defined by the RICO statue, pursuing of collection posted to all my credit reports. Value of debt held lacks incentive to sue for collection, again I would be liable for less than {$50.00}. Unreportable in this circumstance.
The premises the new debt holder maintains the same burden as the ordinal creditor is untrue in situation. My new liability to Southwest requires justification before any agreement to pay is made and if in fact new liability falls below the reporting threshold, it should be removed.
Company Response: Closed with explanation
2018-03-18
Ft Belvoir, VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I keep getting phone calls from a supposedly debt collector, " Southwest Credit Systems. '' The caller does not leave any voicemail. When I call the phone number back, the automatic response goes " all call may be monitor or recorded '' and " this is an attempt to collect debt and any information obtained will be used for that purpose. '' I talked with an actual person when I press XXXX for a representative. I asked the person whether or not that " South West Credit Systems '' is a legal business and she had to refer to her supervisor was probably standing beside her because I heard whispering. She said she can not answer that question. I then ask what is the company 's phone number ; she was short with me and said that it is whatever number I called. I repeated the same question, but she would not say. I asked for the company 's address and she said it is somewhere in Texas. When it was too much for her to answer my simple question, she said that she could not speak to a third party ( who I am supposedly ).
The following phone numbers are the calls I get from " Southwest Credit Systems '' XXXX XXXX XXXX XXXX XXXX XXXX I looked up Southwest Credit Systems ( XXXXXXXX XXXX ) , and it does exist but with an area code of XXXX in Texas. That company has a tarnished reputation from all the reviews I read. I am sure the scammers are using Southwest Credit Systems 's name for legitimate appearances.
Company Response: Closed with explanation
2018-03-16
Chicago, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-03-16
Dallas, TX
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with explanation
2018-03-16
Sugar Land, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-03-15
Philatelic Center, CA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: Dear FTC, XXXX, XXXX, XXXX and XXXX I was sent a letter from XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX. Saying I owe them XXXX and if I do not pay it? It will be sent to the credit agencies and ruin my Credit??? They say I owe XXXX this money! I called XXXX and I owe NOTHING, ZERO! This is scam! They are making this up and trying to ruin my credit. XXXX stated, when I called them, that they will send a letter stating I owe them NOTHING! This is a crying shame that they can do this too people.I do not want that FAKE information to be added to my credit report. This should be a crime?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX
Company Response: Closed with explanation
2018-03-14
Magnolia, TX
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. I requested validation of this account in XX/XX/XXXX to no avail. I also disputed directly with them in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. I requested the documents from their files used to validate this account but all I received was an itemized billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. XXXX XXXX XXXX is blatantly disregarding the law.
Company Response: Closed with explanation
2018-03-14
Liverpool, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Bureau Name : SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Original Lender : XXXX Date Reported XX/XX/2018 Age of Account 2 year 4 months Balance {$340.00} I have never had any utility, cable or internet source of any kind with XXXX in the past, I currently am an authorized user on my husbands XXXX account in which is current and up to date, I am not sure what this account is, but Southwest Credit Systems refuses to work with me on removing this from my credit.
Company Response: Closed with explanation
2018-03-14
Denver, 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
2018-03-14
TX
Problem with customer service
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: XXXX XXXX Opened XX/XX/2018 for the amount of XXXX I wanted to pay this off and have it removed from my credit report. They refused. I have not had this problem with 1 other company I asked to do this.I am trying to buy a house
Company Response: Closed with explanation
2018-03-12
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-03-12
Park Forest, IL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-03-08
Discovery Bay, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I receive daily calls from South West Credit Systems, They refuse to provide me with any additional identification as to who they are, I have repeatedly asked not to be contacted because I do not have any outstanding balances with any creditors. They will not cease to harass me.
Company Response: Closed with explanation
2018-03-07
Cheverly, MD
Took or threatened to take negative or legal action
Debt collection: Other debt
Collected or attempted to collect exempt funds
Complaint: XXXX sold my personal information to a company in Texas without my authorization or consent. I was not properly notified adverse actions would be taken against me for reporting a fraud matter to FTC pertaining XXXX business practices. XXXX retaliated upon closing of complaint.
Company Response: Closed with explanation
2018-03-07
Rochdale, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-03-07
Alameda, NM
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-03-07
Mabank, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I paid my XXXX water account in full XX/XX/XXXX, Southwest credit systems called attempting to collect {$330.00} in XX/XX/XXXX, I verified with the XXXX XXXX XXXX all bills had been paid and informed SWCS that the account was paid in full. SWCS Called back again in XX/XX/XXXX attempting to collect the same debt. I informed them again the debt was paid in full in XX/XX/XXXX. In XX/XX/XXXX SWCS put a collection on my credit report, I informed them again that it had been paid and I could send them proof, they informed me the only way to send them correspondence was via mail. I spoke with a supervisor and she said she would verify with the XXXX XXXX XXXX the account was paid and I have not heard back. I disputed the record on experian and it was upheld.
Company Response: Closed with explanation
2018-03-06
Tulsa, OK
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I was looking through my Credit Score and saw a {$300.00} collection for XXXX, and I currently have one account open through them as well as this is the first time I have ever been with the company. I call them to confirm that my account is in good standing as well as I have one had one account ever and they agreed. I then proceed to contact the collection agency about it and they said that they understand the situation and they would file a dispute as well as stated that they assume it was an error on XXXX part. A week passes by and I contact the collection agency and they tel me We have given the right back to XXXX and that collection is no longer apart of us, and after that call I proceed to contact XXXX and they once again verify through my social security number that I have only opened one account which is the one Im currently in good standing on otherwise it would be impossible for me to have debt owed and still open a 2nd account without paying the original first. I then proceed to dispute the collection on both sides, and with both parties agreeing that it was a mistake with the recorded phone calls I have yet to receive a letter stating that the collection isnt mine and will be taken off. I would like to have both parties communicate and actually follow through on whats stated in phone call logs.
Company Response: Closed with explanation
2018-03-05
NJ
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XXXX
Company Response: Closed with explanation
2018-03-05
Cedar Hill, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation