Southwest Credit Systems, L.P

2017-11-12

Mount Olive, OH

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-11-12

Mount Olive, OH

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

2017-11-09

Miami, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-11-09

Hanceville, AL

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

2017-11-08

Baltimore, MD

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

2017-11-07

Chester, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-11-07

Saint Louis, MO

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-11-06

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a collection notice form southwest credit stating I owe XXXX. I contacted both parties and received the run around. XXXX said it was equipment charges but I could n't find return receipt. I later found and called southwest and they stated it was a contract fee. We still have XXXX XXXX installed in home so therefore no contract fee should apply. We never received break down of how fees applied we called XXXX multiple times. They assured it was resolved but later sold the debit to southwest collections and they out on credit. My wife got a job with XXXX and we already had XXXX they advised her to add uverse internet. She explained in didnt work in area plus we already had internet. XXXX wanted to combine for employee saving and we already had a house phone under no contract. When she added the internet they merged the full account onto the XXXX platform. The internet did n't work like before and she called to remove but the installer changed the home phone to uverse also. The catch 22 was we could n't have a uverse home phone without uverse internet and no one stated that where changing or a contract was in place to try internet. I had the phone line for years and was levity. Then we end up with this larger bill over contracts we never knew about. They Fraud ed us because we already had XXXX and we already had home phone. To resolve the ended up disconnecting our entire accounts because the rep merged it into combined billing so when they tried to remove the internet it disconnected everything prompting a contract charge. They finally sorted it out we have XXXX under a new account because they counted reactivate our old account and give back our promo due to disconnection and combining with uverse. We do n't owe XXXX anything. They explained it was uverse equipment fees and I have a reciept from ups tracking # XXXX under XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-11-04

AL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: While reviewing my credit report, I noticed S.w Credit System L.p. reporting inaccurate unverified information on my credit report. I do not recognize this company. This inaccurate information is causing stress and loss of income.
Company Response: Closed with explanation

Timely Response

2017-11-02

Duncanville, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-11-01

Dale City, VA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-11-01

MD

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX XXXX To Whom It May Concern : Re : XXXX XXXX XXXX : XXXX I would like to bring to your attention an invoice that I received from XXXX XXXX the amount of : XXXX. I called XXXX during the week of XXXX XXXX, XXXX informing them that I am moving to a new apartment on XXXX XXXX, XXXX. I told the Customer Service Representative ( CSR ) that I would like to transfer my XXXX service to my new address but was informed that XXXX at this time does not provide service to my current location. The address where I had service with XXXX was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. I informed the rep that I will be moving into my new apartment on XXXX XXXX, XXXX XXXX Please find additional evidence ). And therefore, would like to have my service disconnected. The CSR informed me that XXXX is planning on having services at my apartment building and if I disconnect the service I would have to pay the reinstatement fee all over again. I told the CSR that XXXX does not appear to have a definite date as to when it will be providing service at my apartment building ( To date XXXX is not providing service ). Hence, I requested for them to end my service on XXXX XXXX, XXXX. I called the CSR again to get my final bill, the XXXX subtracted the XXXX and gave me the remaining balance of what I need to pay which I paid via the automated system. Some weeks ago I started receiving calls from the XXXX collection Department informing me that I have an outstanding bill of XXXX, I told the CSR that I just paid the final bill, the CSR informed me that the credit for XXXX that the CSR submitted was rejected by XXXX because my services was not disconnected until XXXX XXXX, XXXX even when I was calling in weeks before, they have telephone calls, and messages where I spoke with a CSR and evidence showing that I had no service at the time, XXXX choose to ignore all evidence and bill me instead. Yesterday, I received a call from a XXXX XXXX, XXXX has sent the bill to Southwest Credit System, ref # XXXX. I am therefore, reaching out to the Consumer Financial Protection Bureau for assistance. Best, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-11-01

Gloucester City, NJ

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I received notice from a credit monitoring subscription in XX/XX/XXXX that Southwest Credit Systems,, XXXX XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX is now reporting on my credit report as a collection. I 've never received a single letter from them and no notification at all. I called XXXX XXXX directly and they are telling me that it 's a XXXX XXXX bill for {$52.00} from XXXX. I explained that it could n't be because I still have XXXX as a provider and not only would XXXX not allow me to continue service with an outstanding balance but I also never received any notice not only from XXXX but from Southwest at all. Southwest rep told me that in the state of New Jersey they do not have to send any notification which I know is untrue. I did call XXXX and the rep researched the account. XXXX confirmed that I do not owe any money and they have no such collection account with Southwest that is linked with me owing any money. I disputed this with XXXX and it came back verified that Southwest is stating they verified the debt. This again is untrue.
Company Response: Closed with explanation

Timely Response

2017-10-31

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-10-31

IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX Received notification from SouthwestCredit, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX for collection of an alleged debt {$93.00} from XXXX for an account number that is unknown to me. In XXXX XXXX received notification from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for collection of an alleged debt in the amount of, you guessed it, {$93.00} from XXXX for a different account number that is unknown to me. In both cases, I have contacted XXXX XXXX and have been advised that all accounts associated with my name are in good standing and that they have not placed the debt for collection. I have sent letters disputing debt and citing violation of Fair Credit Reporting Act. I am fed up with this! I ca n't even count the number of telephone calls we have received from " debt collectors '' and " credit card services ''. I have complained, and complained, and complained!
Company Response: Closed with explanation

Timely Response

2017-10-31

Inglewood, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-30

Lutherville, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-26

Alameda, NM

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-26

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a letter from Southwest Credit Systems after disputing the information that I owe a cable bill from XXXX. I asked for the original contract of the bill, as well as identifying information such as my birthday, SSN, or any other identifying factors that would show me that this debt is mine. I knew that the information is incorrect because I use XXXX for my internet, with the bill and all of the information is in my name, and not anyone else 's. They are reporting on an account that I never had, as my XXXX and account are current with XXXX. They are calling and sending harassing information to my phone and reporting to the credit bureaus that this information is correct. It was deleted on my Equifax account in XXXX of 2017 and then placed right back on my account without any notice. After my second time disputing it I do n't know what else to do because this is not my bill, and I should n't be responsible for this bill. I have had this company for at least three years and none of my bills from XXXX are in collections with this company.
Company Response: Closed with explanation

Timely Response

2017-10-25

Old Bridge, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-10-25

Lawrenceville, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-24

Houston, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-23

Bedford, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-21

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

2017-10-19

Phila, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response