Southwest Credit Systems, L.P

2017-08-02

Portland, OR

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Southwest Credit Systems keeps calling me with numerous XXXX-area code phone numbers ( my phone number also starts with XXXX-area code ), every day, multiple times a day, for weeks on end now. ( Today is XXXX/XXXX/2017. ) Each time, it 's a new number, so blocking the phone number of the day provides little-to-no reprieve. When I 've asked why they are calling, they say " personal business, '' and refuse to give me more details until I have verified all my personal information for them. Every time I refuse to verify my information, because I have no written notice of debt from any business entity as of present. Upon review of my bills, as well as my XXXX credit report, I have no outstanding debts. As such, Southwest Credit Systems has no reason to be calling me. I called one of the XXXX numbers back today and asked them to stop calling me, and they refused. An exceptionally rude customer service member said, " you 'll have business with us at some point. '' Since the conversation crossed the threshold of reason, I hung up. Submitting a complaint here seems like the next logical step. Please let me know if I can help with additional information.
Company Response: Closed with explanation

Timely Response

2017-08-02

American Canyon, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-08-01

NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX . I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
Company Response: Closed with explanation

Timely Response

2017-08-01

Ridley Park, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-01

Tibbs, MS

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I received a copy of my credit report to find a collection from Southwest Credit in the amount of {$450.00} on my credit report inXX/XX/XXXX. I immediately disputed it with the three credit bureaus. The debt came back verified. I then requested verification of the debt from Southwest Credit. They sent me a copy of an contract with my name and no signature from me. The contract shows effective date XX/XX/XXXX. Once again there is no signature from me but there 's a signature dated XX/XX/XXXX by the company for a contract dated XX/XX/XXXX. The contract states it is a new owner take over for a contract dated XX/XX/XXXX which was 36 months for the previous owner. I have not signed a contract for XXXX. I did not agree to a 36 month contract. They are illegally committing me to a contract and I know this is against the law when I have not agreed to a contract for some old equipment that did n't work when it stormed.
Company Response: Closed with explanation

Untimely Response

2017-08-01

Boynton Beach, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-07-30

Newnan, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XXXX2017 I received a letter from southwest credit stating a debt of {$170.00}, I then had 30 days to dispute the debt in which I did. I sent a certified letter via USPS on XX/XX/XXXX along with a debt validation letter. On XX/XX/XXXX my credit report then reported a debt of {$170.00} and I received a letter from southwest with a copy of a cable bill on XX/XX/XXXX. This violates FCRA guidelines, for record this transmittal has been screen shot and will be submitted to my attorney as well as fox5 for deceptive credit practices. I have no business or relationship dealings with Southwest and have no signed agreement or contract with this company.
Company Response: Closed with explanation

Timely Response

2017-07-30

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Reference Consumer.Finance.Gov Case # XXXX which identified an administrative error by XXXX and erroneous debt collections against me by Southwest Credit Systems. As part of your investigation, which discovered this was an error, Southwest Credit Systems was to remove any negative reports or comments on my credit report/file. As of X/XX/17 Southwest Credit Systems has not removed negative comments concerning Case # XXXX. Please have Southwest Credit Systems, XXXX XXXX XXXX, XXXX, TX XXXX immediately remove all negative reports/comments from my credit report/file permanently.
Company Response: Closed with explanation

Timely Response

2017-07-28

Compton, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-26

Rochester, OH

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Complaint: Today, X/XX/17, both of my parents received phone calls from Southwest Credit. When I disputed the debt they are attempting to collect, I told to not contact me or any of my family members. They had been repeatedly calling both of my parents who are in no way associated with the account. Upon checking my phone, I also discovered that they called me after being told not to at XXXX XXXX from phone number XXXX.
Company Response: Closed with explanation

Timely Response

2017-07-26

Rochester, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I disputed a debt from XXXX XXXX XXXX that had been sold to the debt collector Southwest Credit. I wrote a letter requesting written verification of the actual amount owed, as XXXX XXXX XXXX had added several hundred dollars to the bill in unauthorized services. I received a letter XXXX/XXXX/XXXX from a XXXX XXXX at Southwest Credit providing no written verification of the debt, only their promise that is verified and that they wanted the full balance immediately. I will not be paying anything without written verification and I have submitted a second written request for the written verification that they are legally obligated to provide upon my request.
Company Response: Closed with explanation

Timely Response

2017-07-26

N Haven, CT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: SouthWest Credit Systems Has attached an unknown debt to my credit report. I do not have an account with Southwest Credit System and I do not have an account with XXXX. Please remove this wrongful account from my credit report.
Company Response: Closed with explanation

Timely Response

2017-07-24

TN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I left XXXX back in the end of XX/XX/XXXX of Last Year and informed them to close my Account. At the time of closing, I paid {$400.00} to end my contract with XXXX. XXXX took my information and never updated it to the new address. Thus, they -supposedly- sent out a final bill in mail format- though I have opted for all information to be electronic ( for obvious reasons ) - and with my mail forwarded NEVER received a bill. Fast forward to XX/XX/XXXX, it shows up on my Credit Report as closed in XX/XX/XXXX with an amount of approximately {$280.00}. I go into a store and they said they 'll notify the actual correct people to fix it. It never was fixed. Also, at this time, I filed a dispute with the appropriate credit reporting agencies. In XX/XX/XXXX, apparently, it was re-posted to my Credit Report- with a higher amount of over {$1000.00}. Again, I go to a XXXX store whom claimed I had to call their collections. I called the collections whom refused to have the debt removed claiming- I never paid the original amount. Also, on the same call, the collections agent is stating to me conflicting information- and stated I need to produce a Bank Statement for a bank account I closed for two amounts equating less than the amount they posted to my credit report- by about {$400.00}. Now, I 'm writing a written complaint to every agency explaining the situation. They never sent me a bill so I could internally dispute the information reasonably- before posting it to the various agencies. It is no longer reasonable in that I closed a bank account about a year ago to ask a bank to produce an electronic statement- for a date I can not remember- when I have hundreds of transactions a month.
Company Response: Closed with explanation

Timely Response

2017-07-22

Hamburg, NY

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: First time they called I answered no one was there and they hung up on me. Now they call twice a day. I do n't answer the phone since I did not know who they are. Upon looking the number up it is from XXXX XXXX XXXX, a supposed debt collection service, that has numerous complaints as a scumbag company. I do not owe anyone money, therefore they have no reason to call. Please put these dirtbags in Jail!
Company Response: Closed with explanation

Timely Response

2017-07-22

Ridley Park, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Southwest Credit sent me notification of a {$830.00} debt from XXXX. This came thru the USPS. They 've assigned an account # XXXX and their own reference # XXXX. They have " offered '' a discount if I pay within 45 days of {$540.00}. I am current with XXXX/XXXX and only owe my monthly charge of XXXX. They have my name backwards but my correct address. They threaten to report this to the credit bureaus and ruin my credit.
Company Response: Closed with explanation

Timely Response

2017-07-21

Philadelphia, PA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This is a formal complaint against SouthWest Credit Systems, located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable collection account on all 3 of my credit reports and not to mention an account in which I 've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Southwest Credit Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response: Closed with explanation

Timely Response

2017-07-20

Cleveland, OH

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-19

Seattle, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-07-19

Gardena, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-19

Austin, 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

2017-07-18

CA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I have a pervious account which has been sent to collections i have been making {$20.00} payments every month because that is all i can afford. This company calls 4-5 times a day all hours. I have sent a few letters asking they stop harassing me the payments will be made until its paid off but they still call every single day..
Company Response: Closed with explanation

Timely Response

2017-07-18

Wann, OK

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: A family member contacted me about a company called SW Credit Systems L.P calling them and Harassing them about an alleged debt owed by me. This family member told them to do not call and they continually call at all hours of the day. I have never personally received any notification of anything from this company to see what they are actually stating as to the alleged debt. Today I received a credit report alert as to a collection added by SW Credit Systems L.P. on my reports specifically XXXX . Stating nothing but an amount of {$590.00} States XXXX XXXX to which I have never had showing open account as of XXXX 2017 which never happened. Never received anything from this company in the mail or in any other form whatsoever prior to adding to my reports false information.
Company Response: Closed with explanation

Timely Response

2017-07-17

Wilmington, DE

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-07-14

Affton, MO

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-07-14

Brooklyn, NY

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: SW Credit Systems is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act. SW Credit Systems is using deceptive practices to collect money from me and they need to be investigated. I obtained copies of my credit reports and noticed a listing from SW Credit Systems . I did not authorize SW Credit Systems to obtain my credit file . SW Credit Systems never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sent SW Credit Systems a validation letter to prove that they own this debt they claim I owe. SW Credit Systems t hen sent me old statements from XXXX . SW Credit Systems did not send me a purchase agreement, bill of sale or any type of proof that SW Credit Systems is legally entitled to collect anything from me. To this day , SW Credit Systems is still reporting this account on my credit file and trying to collect money from me . SW Credit Systems deceptive tactics are malicious and intentional. The account I am referencing is : SW Credit Systems Acct # XXXX
Company Response: Closed with explanation

Untimely Response