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 28
2018-01-04
CA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: Creditor : XXXX XXXX XXXX XXXX Credit account number:XXXX southwest reference number : XXXX principal : {$1300.00} discounted amount : {$910.00} letter dated:X/XX/2017 XXXX XXXX XXXX has sent a collection debt on my name to South west credit systems in the amount of {$1300.00}. They offered me a 25 % discount totaling an amount of {$910.00}. I have spoke to them several times and have explained to them that XXXX XXXX XXXX has performed unfair consumer relation practices against me reason being is I cancelled XXXX XXXX XXXX to switch to XXXX. I spoke with XXXX XXXX XXXX prior to cancelling and going to collection to try to resolve this issue but they would n't work with me. They are charging me for cancellation fees, last months dues, and remaining balance of cell phone purchases on my account. I feel it is unfair because of their unfair stipulations and policies they have set forth. I refused to pay them d/t their unfair policies and practices, lack of customer support, and unfair treatment. Another issue is, prior to me cancelling, my sister XXXX XXXX had 2 of 3 lines on her account that were switched over to me. Remaining balances of phone purchases which was 2 of 3 of those lines were supposed to remain on her account however XXXX XXXX XXXX still put the liability upon me. We spoke to XXXX XXXX XXXX and they told me that the amounts of the phone and charges would stay on XXXX 's account but they lied. Once, we tried calling them to resolve the issue they were n't able to do anything worthwhile to solve the problem.
Company Response: Closed with explanation
2018-01-03
Ontario, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-01-03
PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Southwest Credit Systems keeps reporting inaccurate information on my credit! Please take off or I will sue!
Company Response: Closed with explanation
2018-01-02
Hialeah, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-01-01
PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Collection report date onXX/XX/XXXX 2017 Original creditor : XXXX XXXX XXXX Amount : {$160.00}
Company Response: Closed with explanation
2017-12-29
Chula Vista, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2017-12-29
Buford, GA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-12-29
Durham, NC
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2017-12-29
Caldwell, NJ
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2017-12-28
N Haven, CT
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: My Lawyer Will File Federal Lawsuit, We Have Enough Telephone Calls.
Company Response: Closed with explanation
2017-12-28
Rochdale, NY
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: I recently received a copy of my credit report and I noticed a debt that doesnt belong to me. In XXXX 2017 I sent the collections agency a letter asking for debt validation. I never received anything back from the agency and again I sent another letter asking for proof of said debt and still nothing. This debt is not mine and its affecting my credit scores and I have tried to reach out to the agency many times with no success
Company Response: Closed with explanation
2017-12-28
Aubrey, TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-12-27
Philadelphia, PA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I never received notification from Southwest Credit Systems for the XXXX accounts they are now reporting on my XXXX credit report. These accounts were also on XXXX and XXXX, but after disputing they were removed. I have requested debt validation regarding the XXXX accounts. All I received was an incomplete " statement '' XXXX attached ). I requested proof that the Statute of Limitations has not expired on either debt as well as proof that this agency is licensed to collect debt in my state. Also, a signed contract proving I owe Southwest Credit Systems was never received. I do not know who these people are. I looked them up on the BBB website and found that there are many complaints and lawsuits filed XXXX attached ). I believe this company is in violation of the FDCPA. Account # XXXX : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation
2017-12-27
Greensboro, NC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have never received validation that the debt owed is my debt. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.
Company Response: Closed with explanation
2017-12-23
Culver Cty, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2017-12-21
NJ
Written notification about debt
Debt collection: Other debt
Notification didn't disclose it was an attempt to collect a debt
Complaint: XXXX XXXX {$410.00} did was disputed and removed off credit report and this company Resubmitted this again on credit report
Company Response: Closed with explanation
2017-12-21
Wallington, 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
Complaint: On my credit report I am showing a past due balance for the XXXX XXXX XXXX at XXXX XXXX which has been paid in full since XXXX XXXX, 2017 which should have been rectified to all three credit bureaus. I was told once the issue is resolved my credit score will increase or will go back to what it was before I had this debt which I slowly paid for.
Company Response: Closed with explanation
2017-12-15
Las Vegas, NV
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2017-12-15
Quartzsite, AZ
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Received two calls ( with automated messages - no info about the debt ) within an hour on XXXX/XXXX/XXXX at XXXX and XXXX. I have not received any written letters about any debt that I owe.
Company Response: Closed with explanation
2017-12-12
Palos Park, IL
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: SOUTHWEST credit systems l.p. Is attempting to collect a debt and is not licensed in my state to collect this debt.
Company Response: Closed with explanation
2017-12-11
Gloucester City, NJ
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Didn't receive services that were advertised
Company Response: Closed with explanation
2017-12-11
Kingstree, SC
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2017-12-10
Brentwood, NC
False statements or representation
Debt collection: I do not know
Indicated you were committing crime by not paying debt
Company Response: Closed with explanation
2017-12-09
Van Nuys, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have a XXXX bill that says {$84.00}. I have no idea. I have never been contacted about this debt. I would 've paid it. I do n't know the reason for this debt. I am not interested in paying someone else 's bills. The service being asked to paid for was n't being used by me.
Company Response: Closed with explanation
2017-12-08
Houston, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: On XXXX/XXXX/17 around XXXX XXXX I received A CALL FROM A REPRESENTATIVE BY THE NAME OF XXXXXXXX XXXX ( NAME WAS N'T CLEAR ), AS I KEPT REQUESTING XXXX TO DISCLOSE THE REASON FOR THE CALL HE FINALLY TOLD ME THAT HE WAS ATTEMPTING TO COLLECT A DEBT, AND KEPT ACCUSING ME THAT A DEBT BELONGED TO ME. I QUICKLY MADE XXXX AWARE THAT HE WAS IN VIOLATION OF FDCPA RULES AND REGULATIONS AND REQUESTED HIM TO REMOVE ME OFF OF HIS COLLECTIONS LIST. THE DEBT WAS FRAUDULENT AND I HAVE KNOW KNOWLEDGE OF THE DEBT, AND ALSO ASKED HIM TO STOP THE HARASSING CALLS AND TO CEASE AND DESIST ALL COLLECTION EFFORTS.
Company Response: Closed with explanation