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 39
2017-05-30
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: XXXX XXXX has a collection against me showing up in my credit report on behalf of XXXX indicating that I owe {$740.00} which is incorrect. I have no knowledge of this account, I do n't even use XXXX I use XXXX . I want it removed its damaging my credit score. Its been there for almost a year now. Please help !
Company Response: Closed with explanation
2017-05-27
Newnan, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: {$600.00} Keep disputing I been disputing this since 2016
Company Response: Closed with explanation
2017-05-24
Maplecrest, 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
2017-05-24
Chicago, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2017-05-24
Bedford, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have contac ted Southwest Credit S ystems on numerous occasions via certified letter and asked that they provide me with a contract of the debt they claim I owe, which bears my signature. Each time they respond with a bill and nothing more. I have repeatedly asked for this information to be provided to me and if they could not provide the information requested, that they remove the debt from all XXXX credit bureaus. They have yet to comply with my request to provide me with a contract or remove the debt.
Company Response: Closed with explanation
2017-05-22
Ridley Park, PA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Received 5 phone calls in the past 3 days from Southwest Credit ( only reason I knew their name was I called the numbers back and tried to get a hold of somebody but was on hold for too long ). Calls from XXXX Thurs XX/XX/XXXX XXXX XXXX Thurs XX/XX/XXXX XXXX XXXX Thurs XX/XX/XXXX XXXX XXXX Fri XX/XX/XXXX XXXX XXXX Calls from XXXX Mon XX/XX/XXXX XXXX XXXX Every time I have tried to pick up, they have hung up on me. They are calling my direct work line and are harassing me by repeatedly calling & hanging up. They have also not reached out to me via mail alerting me of a collection attempt so I have absolutely no idea if their calls are valid, or if they are even trying to reach me.
Company Response: Closed with explanation
2017-05-22
Houston, TX
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: I keep a close eye on my credit report. As this account is not on my XXXX report. It did appear on the mortgage companies report they pulled from XXXX . This account is not mine and I was not notified of this account. Also, it puzzles me that I was informed of this account from a mortgage lender. FCRA laws have been violated here. The sneaky way of ahving this on a mortgage lender report and not the XXXX report from them. This should be investigated by CFPB and my attorney for violation.
Company Response: Closed with explanation
2017-05-17
Reno, NV
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: In XXXX XXXX we contacted XXXX XXXX to install service in our home. The technicians they sent us either were too lazy to fix the problems or they were incompetent. Finally after th e Manager of the local office, XXXX XXXX got involved he personally had technicians come out and get our services up and running. This took a total of 7-8 wee ks of frustration and consistent calling on our behalf to get it done. XXXX gave us a whopping {$30.00} credit for our trouble. We continued to pay our bill but when our contract was up we delivered their equipment to them and and told them that whatever else was owed was on them for our two months without adequate service and sometimes no service at all. They are attempting to collect the " outstanding balance '' and uses XXXX to come after us for it. After we detailed the trouble we had the first two months with XXXX they refused to continue collection efforts. XXXX now 'sold ' debt to someone else and they are contacting us. We will not stand for this over and over again.
Company Response: Closed with explanation
2017-05-17
Santa Rsa Bch, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2017-05-17
FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I disputed this account when I received an alert that it reported to my credit report. After some reset I learned that it was an alleged debt from XXXX XXXX . I requested validation of this debt. I have not had cable in well over 10 years with XXXX . I need the original billing so I can take to necessary steps to file a police report for identity theft. It has been well past the 30 days and I have yet to receive any kind of documentation this is a valid debt for me.
Company Response: Closed with explanation
2017-05-15
TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: In XXXX of XXXX we discontinued our XXXX XXXX XXXX service. We were forced to move from our home and we tried to keep the service.But XXXX XXXX XXXX did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was XXXX balance and due to the circumstances they were not going charge us early termination fee as we were keeping our XXXX service. And it was all bundled together when we signed up. In fact we even paid a XXXX $ deposit for the service when we started. XXXX XXXX XXXX continued billing us and still had our account messed up as it was still linked to XXXX . It was n't until XXXX of XXXX that XXXX XXXX XXXX shut down our verse account and made it a XXXX bill. We have disputed this bill over and over for a year to the date.
The bill is now in the possession of Southwest Credit Collection Agency. We di sputed this bill in there office.We have requested a full explanation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper. It is in violation of FDCPA la w 805 section B. They did n't even send us our bill as requested. They are now claiming early termination charges as well as misc charges in which we or southwest credit collections h as no clue.
Company Response: Closed with explanation
2017-05-15
TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: In XXXX of XXXX we discontinued our XXXX XXXX XXXX service. We were forced to move from our home and we tried to keep th e service.But XXXX XXXX XXXX did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was XXXX balance and due to the circumstances they were not going charge us early termination fee as we were keeping our XXXX service. And it was all bundled together when we signed up. In fact we even paid a XXXX $ deposit for the service when we started. XXXX XXXX XXXX continued billing us and still had our account messed up as it was still linked to XXXX . It was n't until XXXX of XXXX that XXXX XXXX XXXX shut down our verse account and made it a XXXX bill. We have disputed this bill over and over for a year to the date. The bill is now in the posse ssion of Southwest Credit Collection Agency. We disputed this bill in there office.We have requested a full explan ation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper. It is in violation of FDCPA law 805 se ction B. They did n't even send us our bill as requested. They are now claiming early termination charges as well as misc charges in which we or southwest credit collections ha s no clue.
Company Response: Closed with explanation
2017-05-14
Capitol Heights, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2017-05-13
Erwin, TN
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: Requested verification of debt. Also requested other legal information for which the company did n't provide apart of this collection attempt. Also advised the collection company that the company they are collecting for is not a debt I owe. I am current with my XXXX XXXX account.
Company Response: Closed with explanation
2017-05-12
Foothill Ranch, CA
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: I saw my credit bureau and saw negative credit reporting by SWC reference # XXXX . I calle d SWC SouthWest Credi XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone # XXXX and asked the agent for legal proof of notifying me of the collections but he did not provide any cerified mail proof of any notification sent to me about this account or collections. I will report XXXX and SWC for illegal credit reporting practices and also to the BBB I calle d SWC today dema nding for proof of notification, the agent was very dismissive and put me on a long hold when asked to speak to his Supervisor Please have XXXX XXXX and SWC Remove my account from collections as I had no knowledge of this collection item until I saw a negative credit reporting on my credit bureau accounts on XXXX Sincerely, XXXX
Company Response: Closed with explanation
2017-05-11
San Antonio, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: A collection agency has opened an account on me for {$480.00}, this is in regards to equipment that has been returned to XXXX XXXX XXXX through the XXXX XXXX by me. I followed the instructions to return the equipment and it was received by XXXX XXXX XXXX . I owe nothing to XXXX XXXX XXXX and request that the account be closed and wiped from my credit files that it is being reported to currently.
Company Response: Closed with explanation
2017-05-09
Chantilly, VA
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2017-05-09
Knoxville, TN
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2017-05-09
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2017-05-08
Jurupa Valley, CA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2017-05-07
East Windsor, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: I 'm the victim of identity fraud. Since XXXX XXXX ( and prior to that XXXX of XXXX ) I have been battling to have the XXXX XXXX charge for {$1400.00} and change, removed from my credit file. It is the last account showing 'deragatory ' since this whole debacle sta rted. Southwest Credit ( who the account is in collections with ) and the bureaus have both been contacted in writing several times. Phone calls and letters go ignored. On my report it states that although the consumer ( me ) flagged that charge it still falls under the FCRA. It was opened under XXXX XXXX . I would never open an account under a nickname and I 've never had XXXX as a service in my life. Now I 've missed out on purchasing my dream home as my credit is in the XXXX . Interestingly, only the reports pulled by the mortgage company show these scores. XXXX XXXX still has me in the XXXX range where I 've been all my life. PLEASE fix this!
Company Response: Closed with explanation
2017-05-06
Houston, TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I have been trying to get validation of debt on this account Since XXXX 2017 . I have contacted SOUTHWEST CREDIT SYSTEMS through all XXXX credit reporting agencys still no response. This error is making it difficult for me to be approved for credit
Company Response: Closed with explanation
2017-05-06
Foothill Ranch, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I did not know of this collection. This account happened in middle of XXXX , It 's XXXX , The negative remarks by Southwest collection company Does not speak respectfully, attacking me on the phone, I asked for verification because the XXXX would not give me membership unless I paid ahead of time. My car would not get fixed so I could not have a membership without a car, Roadside assistance. They report wrong, dates, wo n't be respectful, verify valid account, refuse to send me document 's, address, FAX? They keep attack me as a person on phone, were you live, phone number, question by email, were my email was hacked and fraud deleted information to USDOJ. Stalking at the law, ID THEFT to collect individuals address, Business address, government websites, XXXX & XXXX , Secretary of State business entities. Abuse of power. My fico score is damaged, denied credit, loans, etc. They keep taunting me and I can not get the information, I asked them to mail or FAX but they refused! SOUTHWEST CREDIT SYSTEM XXXX XXXX XXXX XXXX , XXXX {$140.00} {$140.00} XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX
Company Response: Closed with explanation
2017-05-05
Lockhart, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2017-05-05
MD
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Out of nowhere, I got an alert on my credit monitoring service that a new collections account showed up. After reviewing it, it was Southwest Credit Systems for a debt they say I incurred back in XXXX with XXXX . I spoke with someone there and told them that I never received any information about this debt and it was not mine. I never got a statement or any information on what it was. The agent said that even though it was n't mine, since I was buying a house, it would be in my best interest to pay it off and then they would remove it. I agreed, but it still shows on my credit report and still shows a balance due. It 's actually showing on ALL XXXX . XXXX , XXXX and XXXX . They never sent me anything or gave me the opportunity to get more information. They essentially held my credit report for ransom and demanded money in order to not ruin my credit score. But then ruined my credit score anyway.
Company Response: Closed with explanation