Southwest Credit Systems, L.P

2018-02-14

El Cajon, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-02-13

Liverpool, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: My name has been attached to an account for {$1800.00}, that has my name assigned to it ; that I have no knowledge of. My bank account and associated cards are not mentioned, just my name. I live nearly the entire Republic of Texas away from the store XXXX XXXX XXXX, that is in XXXX, Texas that the account was opened in XX/XX/XXXX in my name. According to my credit report on XX/XX/XXXX shows a large amount on a purchase in my name that I had nothing to do with. Then was turned over in XX/XX/XXXX to a collection agency Southwest Credit Systems, dba : Southwest Credit - XXXX XXXX in XXXX, Texas, not far from the original issuing source. I have contacted every government agency that I could find to possibly correct my incorrect credit report. I was unable to contact, despite several attempts, any of the numbers provided for the Collection Agency. Most were unanswered rings, two I heard a message that " no tracks exist '' ( whatever that means ). I was called back by a supposed Texas Secretary of State employee, I learned from a disconnected number ; by a person named XXXX that gave me a bogus number. When I called back to see if I dialed a wrong number, I found it was disconnected number. Later after calling the for a local sheriff 's deputy to file a second personal Identify Theft affidavit. I told the deputy that I called back he told me that there are no disconnected numbers at the Secretary Of States office. If I was called it was likely by some one trying to alter any direction I was taking to recover my proper credit. I did learn that there were complaints about both companies. If accurate, that there was an active bond, despite the collection company moving numerous time and changing the company name.
Company Response: Closed with explanation

Timely Response

2018-02-13

Oakland, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-02-12

MA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: To whom it may concern, I am writing to you because the debt is too hard for me to handle, I am asking for a deferment and removal of the derogatory mark off of my credit.
Company Response: Closed with explanation

Timely Response

2018-02-12

Staten Island, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: An account was opened on XX/XX/2016, at Southwest credit. I called this company on numerous occasions disputing this. The debt in question was a utility bill for an address that I've never lived at or been associated with. The amount was {$380.00} I would like any assistance you can offer.
Company Response: Closed with explanation

Timely Response

2018-02-11

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company as not validate this debt and has a negative mark on. My credit report Ive asked them to respond with the signed agreement for the account and they have failed to do so, now the account is not mines and they need to remove ASAP
Company Response: Closed with explanation

Timely Response

2018-02-09

North Bergen, 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

2018-02-07

Gloucester City, NJ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Company calls from the same number every day. I spoke to them in the past and expressed that I have never done business with them. Each time they want me to reveal personal information. I asked them several times to refrain from calling and to use the US Mail if they want to communicate. They have been calling daily for over 4 months
Company Response: Closed with explanation

Timely Response

2018-02-07

Charlotte, NC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-02-07

Diamond, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-02-06

Dallas, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-02-06

Bethlehem, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-05

Alexandria, VA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I spoke to a representative from the original account holder concerning my account and explained to them that I was going through a XXXX XXXX situation and needed some time to pay off this debt. I was told that they would extend the time needed to pay off the account and would not report my account to the credit bureaus. A few weeks later I received a call from a Southwest Credit Systems Rep who informed me that they were a collections agency and given my info by the original account holder. I then went on to explain to them the situation I was facing. I was told that as long as I make a payment arrangement that my account would not escalate to being reported negatively the the credit bureaus but a few weeks later I was surprised to see that they actually did report the remaining balance of what was left to pay to the the credit bureaus.I am extremely upset because I was assured that once I make the arrangements my account would still be in good standing as to not be reported negatively. I'm in the midst of buying a home and this negative reporting of an account is not helping my case at all!
Company Response: Closed with explanation

Timely Response

2018-02-03

Hamburg, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-02-03

Buffalo Lake, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-02-02

IL

Improper use of your report

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

Reporting company used your report improperly
Complaint: To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX Southwest Credit SYS XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-02-02

Discovery Bay, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX is attempting to exploit a military move by double charging my family for service to our home at our last duty station and service to our new home. Accounts were transferred within reasonable time and XXXX was presented military orders that supersede ISP contracts through the service member 's relief act. I resigned my commission as an XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX last year. My wife, daughter, and I moved from XXXX state on XX/XX/XXXX. My wife attempted to transfer our XXXX account from XXXX XXXX XXXX, XXXX, XXXX XXXX to our new residence at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX. XXXX told her they were unable to transfer the account out of state and that she needed to cancel the XXXX account and open a XXXX account. They also informed her that we needed to pay for XX/XX/XXXX balance as well because we did not cancel within 30 days. She informed them that we are moving on military orders and they informed her that the military orders were not relevant. After moving to XXXX, we received a phone call in XX/XX/XXXX from Southwest Credit Systems informing us that we were in default of a debt owed to XXXX. XXXX had sent another bill for the month of XX/XX/XXXX for services to XXXX XXXX XXXX XXXX while we were concurrently paying for services under the same name ( XXXX XXXX, my wife ) in XXXX. My wife called XXXX and they determined we had been charged in error and that we were owed a credit instead. My wife called Southwest at the end of XX/XX/XXXX and in XX/XX/XXXX to confirm that they would not send the negative report to the credit reporting agencies. She told them that we are currently house hunting and that a negative credit report would be extremely damaging to us. Southwest Credit Systems informed my wife that they would not send the negative report to the credit reporting agencies prior to calling us first. We are currently closing on our first home purchase using the VA loan benefits earned from 10 years of serves and two combat rotations to XXXX. In the final credit check, our lender found the negative credit report enacted by Southwest Credit Systems on behalf of an erroneous charge by XXXX. We would like to have the charge removed from our credit record and for XXXX to settle the credit owed to us. Southwest Credit Reference Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-02-01

Dallas, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: They refuse, on a recorded line, to speak with me in regards to my account. The manager XXXX hung up on me several times. They do not state the mini miranda, unless you become a problem. They disclosed 3 rd party information, did not mirandize, and refuse to answer my questions in regards to this delinquent debt. The account was placed on the credit as opened on XX/XX/XXXX when in actuality it's from XXXX. Direct FDCPA violations. The supervisor hung up on me over 5 times and blamed it on her " headset being dead. '' Very rude, unprofessional. Already sent certified mail requesting proof, never got it. I plan to file suit if this case is not dropped. This company is operating outside the lines of the FDCPA laws.
Company Response: Closed with explanation

Timely Response

2018-02-01

Northridge, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-01-31

Chula Vista, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-31

Stkn, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-01-31

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-01-30

Brooklyn, NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2018-01-30

Spring, TX

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

2018-01-30

Delray Beach, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response