Southwest Credit Systems, L.P

2017-09-23

Everett, WA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Please take notice that SOUTHWEST CREDIT SYSTEMS, LP has failed to provide verification of the debt with regard to the above referenced account. Therefore, this debt must be deleted from my credit file within 30 days. You reported this account to the consumer reporting agencies on or about XXXX XXXX, XXXX, three days before you notified me of a debt, and you also notated that the debt was disputed with the consumer reporting agencies. You initially contacted me by letter on XXXX XXXX, XXXX notifying me of a XXXX XXXX account placed for collections. I responded to your notice requesting verification of such debt on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I requested you to close the account and cause such delinquent account to be removed from my credit file. I have received no verification of the alleged debt, and no response to my request to close the account. Pursuant to 15 U.S.C. Section 1692g ( b ), you are required to notify me of the name and address of the original creditor. You have failed to provide such information. In addition, you have failed to provide verification of the debt under 15 U.S.C. 1692g ( a ) ( 4 ). Because the entire debt was disputed, you have a duty under 15 U.S.C. Section 1681s-2 ( 8 ) ( E ) ( i ) to conduct an investigation with respect to the disputed information. You have failed to investigate this disputed information and provide verification thereof. Therefore, you are in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and all other applicable state law. A complaint may be filed with the Federal Trade Commission and the Washington State Attorney General, and may take legal action. This account must be deleted from my credit file, and this account must be closed by your office from further collection attempts within 30 days.
Company Response: Closed with explanation

Timely Response

2017-09-22

Brookside, NJ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-22

Gbg, PA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-09-22

Traver, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: In XX/XX/XXXX I received my credit reports and discovered Southwest Credit Systems reporting a trade line for an alleged amount of {$280.00} collecting for XXXX. I mailed Southwest Credit Systems a request for validation on XX/XX/XXXX and SWC replied with a generic one page bill ( attached ). I mailed a second demanded for validation on XX/XX/XXXX and received no reply, Southwest Credit Systems continues to collect by reporting the alleged debt on my credit report ( see attachment ). Southwest Credit Systems failed to provide me with an assignment which is a requirement under California 's Rosenthal Act CA. Civil Code 1788.13 ( L ) Which states, " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' SWC also violated California Fair Debt Buying Practices Act 1785 ( a ) ( 2 ) which states, " The debt balance at charge off and an explanation of the amount, nature, and reason for all post-charge-off interest and fees, if any, imposed by the charge-off creditor or any subsequent purchasers of the debt. This paragraph shall not be deemed to require a specific itemization, but the explanation shall identify separately the charge-off balance, the total of any post-charge-off interest, and the total of any post-charge-off fees. '' The PDF 's provided by SWC indicate what appears to be a 1 month billing cycle for an alleged amount which are half legible ( see attachments ).
Company Response: Closed with explanation

Timely Response

2017-09-22

Christiana, DE

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-21

TN

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I tell them not to contact me again and they continue to with a different phone #. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Company Response: Closed with explanation

Timely Response

2017-09-21

Staten Island, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Hello, As I was looking at my XXXX Credit report, I found that Southwest Credit Systems was listed. I had never heard of this company and did not know why it was on my credit report. It was sometime that I realized that it was a collection agency I guess hired to collect on a old XXXX XXXX bill. It was then that I realized that I had already paid this old bill off directly to XXXX XXXX and that is why I was able to renew internet services from XXXX XXXX, which is not XXXX. I had NEVER received anything from this company and do not understand why thy are being allowed to place this old and already paid collection on my credit file. I have never had any dealings with this company. Back in XXXX I submitted a debt validation to XXXX and several additional times over the course of the last few months have requested verification of any dealing with this company. as stated before, I had already paid this bill Directly to XXXX XXXX. This company continues to have this on my record even though they are fully aware I ahve had not contact with them.
Company Response: Closed with explanation

Timely Response

2017-09-20

Saint Louis, MO

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-09-19

VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I would like to dispute that I closed and paid off my XXXX account a long time ago. I went into the branch to make sure my account was paid in full and in good standing more than several times to make sure XXXX did their job right, as i have had several issues and/or problems with XXXX charging my account for equipment i did not have and etc. When i recently applied for a loan, they advised me i have a balance of {$350.00} on my credit report from XXXX Which caught me by complete surprise! That is incorrect reporting to my credit report because I have made ALL of payments that I owe years ago. I do not owe anything else other than what i paid already! XXXX has made so many mistakes in charging my account, i 've had to go and have them correct the mistakes often. Today my daughter & I called the XXXX number to have this all corrected, we were transferred more than three times. We spoke to three different associates advising me, one said I owe for early termination fees, one said I owe for equipment not returned and another who said she could n't reference the old account, but said she was talking and/or chatting with customer services said i owe for services rendered. Seems as though none of the associates knew & understood their products and services in doing their jobs. This has been a really stressful process to get this rectified. I feel like they are taking advantage of the senior citizens. ( me ) everyday. I am not going to pay for services that was not provided to me! I cancelled the XXXX services a long time ago, that should have been the end of that. I paid everything owed to XXXX why do they still show i have a balance? XXXX has the worst customer service. This needs to be corrected asap!!!
Company Response: Closed with explanation

Timely Response

2017-09-18

Arco, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX and Southwest Credit still report account XXXX XXXX despite identity theft report file with XXXX XXXX Sheriff 's Department report XXXX
Company Response: Closed with explanation

Timely Response

2017-09-18

Columbia, SC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: The account was for a security system. XXXX Account XXXX I tried to pay the amount owed, however they said it had been turned over to Southwest Credit. When I contacted Southwest Credit they said they did not have a file on it. So I tried again to pay XXXX Account XXXX. I have emails that I sent attempting to pay. I also have screen shots of where I attempted to pay online, but was they would not take payment. I was contacted by someone from Southwest Credit after a couple of weeks of not being able to pay XXXX directly. I told them I would pay, if they would change the negative report. The lady with Southwest Credit was extremely rude, and I told her that I would pay the amount but I wanted the negative information on my credit taken off since I attempted to pay before it was turned over to the Southwest Credit agency. It took them over two weeks to even verify that they had the file. This was for a XXXX security system that we have never used. The salesperson told me that we could cancel at anytime, and that it was a two year contract. XXXX was a 5 year contract ) I could not see the small print, so for that I am at fault for trusting the XXXX representative. I am unable to add the screenshots and emails from your website. The dates were XX/XX/XXXX through XX/XX/XXXX. I was not contacted again by Southwest Credit, for 2-3 weeks after I contacted them regarding the file. They said they did not have file during this entire time, and XXXX would not take payment because they said they had turned over to Southwest.
Company Response: Closed with explanation

Timely Response

2017-09-18

Mem, TN

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2017-09-17

Chestertown, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-16

Grand Prairie, TX

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2017-09-14

Cimarron, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-14

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: A year ago this account popped up on my credit report. I have disputed 3 other times successfully with the credit reporting agencies. At that time i was told I had to fill out an affidavit and follow direction to fet the frauded account off of my report. I DID THAT. I check my credit report frequently now and yet, another credit collecting agency has popped up again. This time they have correct data about this account and the credit agencies are not willing to remove it. Upon calling the company again I was told I had to follow the fraud process again. the amount is {$370.00} I called them again today XXXX XXXX, 2017. They are harrassing me via my credit report and THIS ACCOUNT IS NOT MINE. In addition the mail kept coming having my name but the apartment number was XXXX. I never had cable at my address.
Company Response: Closed with explanation

Timely Response

2017-09-14

NC

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I disputed the collection being reported by SW Credit Systems because I have no contract with the company. They responded to the credit bureaus that I did have a contract because XXXX contracted them, however, I had no contract with XXXX either. I have no contractual agreement with EITHER company that would permit SW Credit Systems to report an account as a collection on my credit report.
Company Response: Closed with explanation

Timely Response

2017-09-13

Federal Way, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have filed complaints against and about sw credit system LP, they have been contacting me to collect a debt from the primary XXXX they agreed to removed an account that I believe to be fraud and not Mines, it was removed from credit report An now has popped back up, this account is not mines it is the act of fraudulent activity, I have asked for debt validation numerous times An have only received bills with my name on it no signature of contract or service, I know that they are required to provide, I know this is identity theft an I have followed every step they have refused to release the proper documents because there are none I have never had XXXX account or sign any documents to pay sw credit system to collect a debt! All contact needs to stop an I need this fraudulent activity deleted from my credit report, they have sent out many different debt collection letter that have had different balance amounts
Company Response: Closed with explanation

Timely Response

2017-09-12

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: i keep getting calls from collection agencies in reference to a balance. i received the first call in XXXX of XXXX fax them my bank account proof they said they will correct. 4 month later it 's back on my credit report from a different agency did the same thing now over a year later it 's back on my report this will be the third agency not sure XXXX they do n't notate and they keep selling the account. i currently have XXXX again in florida my account is up to date how can i have a new account if a owed a balance. i would like to get this issue rectified and fixed once for all Thank you
Company Response: Closed with explanation

Timely Response

2017-09-09

Fulshear, TX

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

2017-09-08

Phila, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-08

Blackbird, DE

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thanking you,
Company Response: Closed with explanation

Timely Response

2017-09-06

Forney, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Reached out and submitted complaint to SW Credit Systems Sent letter ( which Is attached ) requesting back up. Rec 'd XXXX XXXX XXXX bills for a service Bill ( which is attached ) is not my phone number XXXX not sure whos number this is. I do not have XXXX XXXX XXXX as a carrier for my service. This is clearly a mix up and not my charge. The amount is {$830.00} Either send a signed contract with my signature of this cell phone number or remove from my credit reports
Company Response: Closed with explanation

Timely Response

2017-09-06

Lancaster, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX is claiming that I owe them a balance of {$490.00} from services that I had in XXXX XXXX before a move to XXXX XXXX. My services were transferred to my new address, not stopped, thus any remaining balance was transferred and service would not have been continued with such a large payment owed. I was contacted by a collection agency about this supposed debt and reached out to XXXX informed me that the amount was an error because the move had not been documented properly. Still, my report was not fixed. I have filed several disputes regarding this amount in collections and it has not been resolved. I have spoken to XXXX on at least ten different occasions and have been promised the amount would be removed from Collections. It never has been. They have claimed to open investigations and given me claim numbers only for me to be told when following up on the issue, that the claim numbers were not valid. I have screenshots of chats with XXXX representatives assuring me that my debt will be removed.
Company Response: Closed with explanation

Timely Response

2017-09-05

Lynn, MA

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