Southwest Credit Systems, L.P

2018-01-29

Chicago, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-26

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-23

Greensboro, NC

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: SW Credit systems I went in to XXXX XXXX XXXX and settled with them in full in XX/XX/XXXX2016. Spoke with several representatives that there was no balance and just phoned in today. This is not my debt and i want this removed off of my credit. You will see the last payment and settlement amount attached. Please remove my file immediately.
Company Response: Closed with explanation

Timely Response

2018-01-23

Saint Cloud, FL

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

2018-01-23

Lopezville, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-01-22

Pardeesville, PA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-01-21

Knightsville, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-19

Cheverly, MD

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I disputed charges with XXXX. XXXX did not contest the dispute. Instead, XXXX sent the dispute to successive collection agencies. Each time the debt was disputed, XXXX moved the issue to new collection agency without addressing the underlying concern that the debt was not owed. More recently, Southwest Credit ( collection agency ) contacted me while I was at work. I indicated that my job was not conducive to a discussion on debt but the representative persisted. I explained that the debt was in dispute and I would provide written correspondence. I sent the correspondence and Southwest Credit continued to call me while I was at work.Southwest, having no capacity to conduct an impartial investigation, decided that the debt was owed and reported a disputed debt to the credit agency resulting in the harming of my good credit. I told Southwest that I was open to an an impartial arbitration, but instead Southwest acted in bad faith and reported a debt to the credit agency. Again, I do NOT the debt as all equipment for XXXX was returned. Southwest has harmed my good credit with the sole purpose of coercing payment. I have suffered significant harm to my otherwise good credit.
Company Response: Closed with explanation

Timely Response

2018-01-18

Stillwater, OK

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Had a previous complaint with this Company Southwest Credit as to where they were continually harassing a family member at XXXX at all hours using varying numbers. And had been told various times to cease calling. From the previous complaint they are to cease and desist any further contact to me or anyone which they have violated on numerous occasions. Also currently I am in bankruptcy filing proceedings and they need to drop any further attempt to contact.
Company Response: Closed with explanation

Timely Response

2018-01-16

College Estates, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-15

Wallington, NJ

Incorrect information on your report

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

Information belongs to someone else
Complaint: I called XXXX and let them know I have never had their services. XXXX is asking me to verify my address for the time the account was open.
Company Response: Closed with explanation

Untimely Response

2018-01-15

Aliso Viejo, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-01-15

Bedford, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I received a letter from Southwest Credit with an attempt to collect on an alleged debt from XXXX XXXX XXXX, stating placement date of XX/XX/XXXX for the amount of {$330.00}, and stating Southwest Credit Reference Number : XXXX. I sent them a letter on XX/XX/XXXX requesting that they verify the alleged debt. The company did not and still has yet to verify this debt. They sent me a response back dated on XX/XX/XXXX with a billing statement from XXXX XXXX XXXX. They are threating to report this false, unverified information to the credit bureaus. Furthermore, the company they are trying to obtain the debt on behalf of ( XXXX XXXX XXXX ) has a social security number on file that does not belong to me.
Company Response: Closed with explanation

Untimely Response

2018-01-14

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Untimely Response

2018-01-14

Dallas, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This debt is a result of identity theft. I have provided the last 2 collection agencies with documentation reflecting this dispute and they ceased and desist collection activity. Now XXXX XXXX XXXX is attempting to collect the same debt even after I spoke to them advising them of the dispute and sent them documentation certified. Disputed debts like this should not be allowed to be collected on ; it is harassment and intimidating.
Company Response: Closed with explanation

Untimely Response

2018-01-13

Jacksonville, FL

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

2018-01-13

Texarkana, TX

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

2018-01-10

Phila, PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Southwest Credit Systems, L.P. on XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Southwest Credit Systems, L.P., to remove incorrect information off my credit report. More importantly, Southwest Credit Systems, LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Southwest Credit Systems , L.P .
Company Response: Closed with explanation

Timely Response

2018-01-10

MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Good day, this is XXXX XXXX. I received an alert today from XXXX stating that Southwest Credit Systems has filed a Collection/Chargeoff on my credit files. I contacted Southwest Credit Systems and spolk with a lady named XXXX. She was very ruled and stated that she did not have me in her system but kept asking me for my Social Security Number. I never received any notice or infromation from this company letting me know that I have an outstanding bill. XXXX was threating me with filing a Court Case and stated that she will continue to keep this account on my files.
Company Response: Closed with explanation

Timely Response

2018-01-09

Cane Creek, AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: SW Credit is trying to collect on a debt that is included in my bankruptcy. The original debt is to XXXX XXXX and they are included in my bankruptcy.
Company Response: Closed with explanation

Timely Response

2018-01-08

Main Office, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: SouthWest Credit Systems on my XXXX report has it that I owe XXXX XXXX {$390.00}. Back on XXXX XXXX, 2015. That 's impossible, because I was XXXX in XXXX on the above mentioned date.
Company Response: Closed with explanation

Timely Response

2018-01-07

Orcutt, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-01-05

Brooklyn, NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I had an account with them that i noticed was combined with another bill i called and asked for the bills to be no longer combined they did that but then turned around and charged me XXXX for service i was still using at the time. stating that they are charging me for two bills which i had paid while using the service. It is very confusing how they are explaining to me the charges and i want to report them
Company Response: Closed with explanation

Timely Response

2018-01-04

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I was the victim of identity theft on XXXX XXXX, XXXX when someone used my personal information to purchase devices and services from XXXX XXXX online. Since I am not a XXXX customer and never received any bill in the mail I did n't find out about the fraudulent charges until it appeared on my credit report a year later. As soon as I found out, I contacted XXXX Fraud, filed a police report, and submitted the necessary paperwork to the tree credit bureaus. On XXXX XXXX, XXXX XXXX Fraud sent me an email stating that after their investigation they determined that I am not liable for the fraudulent charges. However, two weeks later I started receiving phone calls and a letter in the mail from XXXX XXXX, a collection agency form XXXX, TX. When I talked to them on the phone and explained that the case had been closed, they said that XXXX had just submitted the claim for collection on XXXX XXXX, XXXX, which obviously makes no sense. So, it appears that XXXX is trying to make money by illegally pursuing a non-existent claim. They also added a " collection fee '' of {$150.00}!
Company Response: Closed with explanation

Timely Response

2018-01-04

TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I called SW Credit Systems LP regarding this dept from XX/XX/XXXX. The representative for SW Credit Systems explained this debt was generated in XX/XX/XXXX - then passed along to them. Therefore, this was placed in collections by XXXX in XX/XX/XXXX - 2 years and 7 months later. I had no idea this debt was lingering for this amount. Therefore, XXXX DID NOT alert me to this - then I moved/divorced my husband so no other notice was forwarded. The equipment was returned promptly as when he began his service.
Company Response: Closed with explanation

Timely Response