Southwest Credit Systems, L.P

2017-06-11

Atl, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-06-09

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Company Response: Closed with explanation

Timely Response

2017-06-09

San Antonio, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Spoke with someone at Southwest Credit Systems at appr oximately XXXX this mornin g ( XXXX ). He asked me to verify an incorrect addr ess ( an address I have not lived for at least 20 years ). I would not verify the address and he asked why I would n't. I told him that I had no idea who he was nor the company he was with. Upon hearing that, he again told me the name of the company, but did not say who the original creditor was. He said " well since I have your address, I 'll read it to you and you can say yes or no. '' He read it again, and again I said no. At this point, I was irritated with him and told him that I was going to file a complaint with the FCC and he hung up. He called me from XXXX .
Company Response: Closed with explanation

Timely Response

2017-06-09

Bedford, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I was a XXXX customer for approximately 10 years. I was no longer under a contract, so I decided to change phone providers. I informed XXXX that I was stopping service. After trying to change providers, I was informed that the phone was locked by XXXX . I called them again and asked why the phone was locked since I had paid cash for it. They instructed me on the procedure to unlock the phone. At no time was I told that I would have to pay a full month 's bill after cancelling service. I received a letter informing me that I did n't give a 30 day notice, so I would have to pay for the following month. I told them that I was not under contract, so that should not be an issue. They, then turned my case ove r to Southwest Credit. Th ey called me and informed me of the debt collection. I told them that I had discussed this with XXXX and since I was not under contract, I did not feel that I owed them anything. I never heard from any one else about this, so I thought it was resolved. No one ever informed me I could to file a dispute or a complaint. I was a XXXX employee and have XXXX XXXX through the government. They sent me a notice that I had a bad report on XXXX . I called XXXX and they suggested that I go this route for some kind of resolution. I do have the money to pay this, but It is the principal of not being informed of my rights by either company.
Company Response: Closed with explanation

Timely Response

2017-06-08

Paterson, NJ

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

2017-06-08

Hazlehurst, GA

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2017-06-07

PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Southwest Credit Systems claims i owe over {$1000.00} on a phone bill!
Company Response: Closed with explanation

Timely Response

2017-06-07

Scranton, PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX was in my name in XXXX . My husband was bouncing my checks, taking money and not paying bills, etc. We transferred the account from my name to his. When I called, the customer service representative told me as long as I opened another account, there would n't be any problems or charges. The service was not disrupted and they did n't send new equipment or a service man to connect the service. I moved to XXXX and turned on XXXX in my name again. There is a collection on my credit report for {$140.00}. I called and they said that I broke a contract but did not send any information to me. XXXX told me they were two separate entities after they turned off my service and reconnected it.
Company Response: Closed with explanation

Timely Response

2017-06-06

Midlothian, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-06-05

Rochester, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: First found out that I had a collection through checking my credit XXXX . It was XXXX and they claim I owe them {$90.00}. I asked for them to send me the original bill, because we do n't have XXXX . They never did, so I called and told them that the address that they claim I owe them for I never lived there, so they removed it from my credit report. then XXXX again but now it is through XXXX , had to go through the same thing and they removed from my credit. Again XXXX and XXXX through SOUTHWEST CREDIT SYSTEMS , L.P . I asked to see the original bil on XXXX / XXXX / XXXX and they hang up, I call back and they give me a different excuse and hang up. then they call and harass me to pay.SEND ME THE BILL but yet again they do n't and tell me to contact XXXX , which I have but they will not send me the original bill. I want this nightmare to end and to have this collection taken off my credit report.
Company Response: Closed with explanation

Timely Response

2017-06-05

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: The aforementioned credit collection agency representing XXXX violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX , XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Southwest Credit Systems, L.P. Inc. do es not have any documentation, they need to retract this from my credit file immediately.
Company Response: Closed with explanation

Timely Response

2017-06-04

PA

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Southwest Credit System ( collecting for XXXX ) account # XXXX - states I owe {$380.00}. ( XXXX ) XXXX In XXXX XXXX XXXX I opened a cable account with XXXX for an extended cable package. My husband wanted a sport games Package. We went with XXXX because of this. The games were completely blurred out. We called often. There response was never timely. They had us reset our equipment and it would work for a day or two. T hey sent service people out with no change. We checked Our premier channels and we were having the same problems. After 4 months we took the equipment back, paid what we owed and terminated the contract. We went with XXXX XXXX . That package was as pricey but they did deliver. <P/> In XXXX XXXX I discovered a negative reporting on my credit report. In XXXX XXXX XXXX XXXX XXXX reported I owed {$380.00}. I inquired and they sent a bill for {$440.00} In the bill {$240.00} was for early contract termination and the rest was for partial equipment not returned. In addition the bill reported payments paid for the last month we had service. <P/> I called XXXX and they said the bill was too old for them to view. They suggested I travel to a payment center to see if they could pull it up. I asked for a supervisor because my work hours did not allow me to go to a payment center and I thought they could order the report or I could FAX my b ill that Southwest se nt and we could discuss. They transferred my call to a unit that resolved issues but the custo mer Rep XXXX said they probably had given us credits for when our service was out and that is all they would say. I could not get them to address anything on my bill, the early contract termination fee or the alleged partial equipment not returned. I did return all equipment. They kept reporting the bill was too old. <P/> The issue was that my husband or I complained numerous times about our service. Yes they pro-rated us when we complained. However we did not receive the service we contracted for. After 4 months we terminated the contract. We did n't receive any bills from XXXX , we had n't moved and over 3 years later XXXX reports to the credit bureau for a bill that consists of early termination fees and purported partial equipment return.
Company Response: Closed with explanation

Timely Response

2017-06-04

Erwin, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Notified debt collector about verification of debt. What was sent back does not verify that XXXX XXXX XXXX owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report.
Company Response: Closed with explanation

Timely Response

2017-06-04

Richardson, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-06-03

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I received a derogatory credit item from southwest credit systems for a XXXX account that went unpaid. I called southwest and made payment but they denied my request to take down the item. They are not original owners of the note and could n't produce documentation nor did they advie me prior to posting this on my credit as I was unaware of the unpaid bil due to moving and having a new home address. I 've contacted them and escalates calls even so contacting the credit bureaus advising them of the situation. Please advise as to what I can do. The account was paid back in XXXX XXXX and I received a deragotry item on My credit on XXXX XXXX . The amount owed was roughly {$470.00}. Thank you for your consideration.
Company Response: Closed with explanation

Timely Response

2017-06-03

DE

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: SOUTHWEST CREDIT CALLS FROM 3 NUMBE RS XXXX , XXXX , XXXX . I WANT THE CALLS STOPPED. THIS HAS BEEN GOING ON FOR MORE THAN 2 MONTHS. MULTIPLE CALLS A DAY FROM DIFFERENT NUMBERS. BILL POSSIBLY ABOUT A XXXX PHONE BILL DEBT. THEY PURCHASED FROM XXXX . I OWE XXXX NOTHING!!!!! THEY ARE CALLING MY HOME PHONE XXXX - PLEASE HAVE THE HARASSING PHONE CALLS STOPPED. THANK YOU.
Company Response: Closed with explanation

Timely Response

2017-06-03

Miami, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-06-02

Del Sur, CA

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

2017-06-01

Houston, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have a charge on my credit fro m Southw est Credit i n the amount of XXXX . They said that it is from an alarm company which we had but when I asked what the charges are for they ca n't explain that to me. I asked them to remove the charges if they ca n't explain what the charges are for and they said they would not.
Company Response: Closed with explanation

Timely Response

2017-05-31

GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Southwest credit has harrased me on numerous occasions about a debt with XXXX . I do not remember the ammount of debt claim to be owed because ive never owned a XXXX account. Furthermore the company is unwilling to show proper documentation ( signatures- original paperwork- invoices etc ) to prove anything otherwise. They wont even tell me the location of the accounts origination.
Company Response: Closed with explanation

Timely Response

2017-05-31

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This needs to be removed from my credit report. This was originally on my credit file about 2 years ago, was removed for inability to verify and then reinserted 2 months ago. I have disputed with the company directly and have disputed with the credit bureaus to no avail. The bureaus are coming back as " verified '' and not at any time have I received any communication from the collection agency themselves. Section XXXX protects me against false reporting by the credit bureaus and they are required to send me the original paperwork that I filled out when this account was opened. If they do not have it, this account must be removed because it has not legally been verified. Basically, what the bureaus are saying is that ANYONE can report anything on a consumer 's credit file without any proof they owe it. Only items in which I ever agreed to pay or owe the debt are allowed to report on my credit file and the burden is on the bureaus and not on me. ( see XXXX v XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-05-30

Cedar Grove, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-05-30

Ernul, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: We have gotten numerous calls from " Southwest Credit '' f rom XXXX asking us to call their number XXXX . Caller ID shows the number as XXXX XXXX . We then received an invoice from this company saying we owed them {$510.00} for cable service for an address we have no connection with. When my wife called the XXXX number she talked with a " XXXX XXXX '' that told her that they were trying to collect money for an address of XXXX XXXX XXXX XXXX , NC. We have never lived there and know no one who does. The letter that we received is dated XXXX XXXX , 2017 . We have never been in collections for anything in the past. I received another call from this number ( XXXX ) today with a voicemail that stated it was fro m Southwest Credit and I needed to call XXXX . I did not call them. Researching this company and these phone numbers online leads me to believe this could be a fraudulent company or something. I do not feel comfortable giving them any information over the phone etc. This is not my bill and I do n't appreciate them wasting my time, etc. Please let me know what I need to do. Thank you.
Company Response: Closed with explanation

Timely Response

2017-05-30

Coconut Creek, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-05-30

Liverpool, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Southwest Credit System c alled around XXXX 2017 , stating that I had an outstanding balance from XXXX . Around this same time I received documentation from XXXX stating that equipment has not been returned and that the large bala nce ( {$700.00} plus dollars ) can be due to the result of equipment not being returned. XXXX was contacted shortly thereafter and informed that the equipment was sent back and should be in their possession. XXXX , later states that the balance is due to nonpayment, not equipment. <P/> On XXXX 2017, Southwest Credit System re ported me to the Credit Bureau for {$230.00} which was already paid in full. Also, at no time was I given a bill of {$230.00}. <P/> On XXXX XXXX , 2017 Southwest Credit System was c ontacted and informed that the report of {$230.00} should never have been reported to the Credit Bureau. They were asked to remove/delete this negative reporting from my credit report, but refused. I am asking that this negative reporting be removed from my credit report.
Company Response: Closed with explanation

Timely Response