Southwest Credit Systems, L.P

2017-05-05

Auburn, WA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-05-05

Blaine, WA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-05-05

TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: on XXXX XXXX XXXX SW credit system deleted the account i had disputed and on XXXX XXXX XXXX the same account was reinsert ed on my credit report without me being notified by mail and that is against the FCRA 611 ( a ) ( 5 ) ( b )
Company Response: Closed with explanation

Timely Response

2017-05-04

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-05-03

Lenexa, KS

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: I had cell phone service with XXXX . I cancelled my account and was sent a final bill. I did n't pay the final bill. I do acknowledge that I owe XXXX . I have tried to pay the amount I owe with the credit collection company ( S.W Credit systems ). They are telling me I ca n't pay the original amount I owed anymore. They are wanting me to pay for charges I did n't accrue. XXXX continued to charge me even though I had switched to another company. I have disputed this account before. It was then removed off my credit report. Now XXXX has sold the account to SW credit system. This is illegal. I feel like XXXX keeps a saying that the debt and/or issue is resolved and then they sale the debt to another collection company.
Company Response: Closed with explanation

Timely Response

2017-05-03

Redding, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Debt owed to XXXX XXXX XXXX XXXX for {$120.00} was paid to XXXX XXXX XXXX on 4/04/17. Received letter from Southwest Credit d ated 4/06/17 for same account. Faxed payment information to Southwest Credit on 4/18/17. Received letter from Sou thwest Credit dated 4/25/17 stating they had received our dispute but we still owed the balance. Received phone call from Southwes t Credit on 5/03/17 and was told they would continue collection action on this account.
Company Response: Closed with explanation

Timely Response

2017-05-03

Lake Shore, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-05-03

CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I do n't have any knowledge of this debt, nor was I provided with proof of such debt
Company Response: Closed with explanation

Timely Response

2017-05-02

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Account appeared on my credit profile, this account is not mine.
Company Response: Closed with explanation

Timely Response

2017-05-01

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-05-01

Houston, TX

Incorrect information on your report

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

Personal information incorrect
Complaint: Debt is not owed and is showing up on my credit report using an address that I have never lived at.
Company Response: Closed with explanation

Timely Response

2017-05-01

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-04-29

Washington, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XXXX XXXX I received a debt collection for a debt I do n't not owe for XXXX from Southwest Credit. I called Sourhwest an d spoke to representative stating I do not owe this debt this account was removed from my credit in XXXX and added back on without my knowledge. I disputed this debt with XXXX and included receipt from XXXX for cable equipment that was given back to them and was picked up by a XXXX Technician on XXXX . The representative told me to fax the receipt to them which I did and this debt is still showing on my credit as an open account. No one has contacted me in response to my fax on XXXX XXXX XXXX .
Company Response: Closed with explanation

Timely Response

2017-04-27

Allentown, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-04-27

Grover Beach, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX , XXXX To Consumer Financial Protection Bureau : Complaint regarding Southwest Credit and XXXX XXXX XXXX XXXX inappropriately reporting derogatory information on my credit file which at no fault of mine is adversely impacting my credit report and credit score. I called and cancelled XXXX XXXX XXXX XXXX on approximately XXXX XXXX , XXXX . I directed them to send any refund or final bill to my new address which I clearly provided to them. They failed to do this and the subsequent statements continued to be mailed to my old address. Please note I paid my account on time the entire time I had service with them and I promptly returned their equipment. Instead of calling me and/or emailing me ( they had both my phone number and email address ), they turned over a bill for {$96.00} to a collection agency. When contacted by the agency, I provided my new address to them and asked them so send copies of the XXXX XXXX XXXX bill as it was never sent to me. Once I received the bill, I paid the balance. I am appalled that due to the incompetence of XXXX XXXX XXXX not updating my address as I clearly instructed them to do, I am now wasting my time and others to resolve this issue. If they had handled my account correctly, I could have simply paid the bill. Despite their mistake, I am the one having my credit report impacted and having to spend my valuable time resolving. As I stated above, I paid my bill on time every month when I had service with XXXX XXXX XXXX and I have ZERO late payments on my credit report ( and never have ) except for this ridiculous entry. Please have this entry removed immediately from my credit report and provide written confirmation that this has been done.
Company Response: Closed with explanation

Timely Response

2017-04-27

Louisville, KY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-04-27

Chicago, IL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I had an account with XXXX XXXX XXXX . I did n't realize that I did n't return my equipment to the company until I began receiving phone calls fro m Southwest Credit Systems. W hen I first received the call I told them that I still had the equipment. They instructed me to contact XXXX XXXX XXXX to have the issue resolved. I had to cancel my account because I was moving and the company did n't offer the services in that area. I returned my cable and internet equipment to XXXX XXXX XXXX . They claim they have not received the equipment and they are unsure of where it XXXX be. I have been calling them at least twice a week for the past month and half. No one at XXXX XXXX XXXX seems to want to offer me any help. They stated that there is nothing they can do as the equipment should 've been returned 60 days after closing the account. I said no where does it state that they ca n't accept any equipment from me because it has been over the 30 day period. I have asked to speak with supervisors who have told me they would contact me within 72 hour s of creating an investigation as to where my equipment may be. As of now it has been XXXX days later and still have n't received a response. As a result of that, Southwest Credit Systems calls me every day at least 10 times a day from various different numbers.
Company Response: Closed with explanation

Timely Response

2017-04-26

Cheverly, MD

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-04-26

NJ

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: Amount : XXXX I moved to NJ in XXXX , this was open on XXXX in XXXX , .PA. I call & they were very rude, refusing to listen & just asking how I 'm gon na pay. FRAUD I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother home bound due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and Southw est Credit System refused to listen or help
Company Response: Closed with explanation

Timely Response

2017-04-25

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had a XXXX XXXX XXXX account that I have paid in full. For whatever reaso n, Southwest Credit Systems will not update the account as paid in full with all three credit bureaus ( XXXX XXXX XXXX XXXX ). I keep disputing the debt, but they keep saying that I owe it. I even have receipts to show that the account has been paid in full.
Company Response: Closed with explanation

Timely Response

2017-04-25

Irmo, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: asked company to validate that I had a contract with them or anyone else for the account and they refused. sent letters requesting validation and disputed at credit bureau. XXXX XXXX XXXX has the incorrect birth year for me and I believe this belongs to someone else.
Company Response: Closed with explanation

Timely Response

2017-04-24

Ft Lauderdale, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XXXX / XXXX / XXXX I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX regardin g one XXXX XXXX XXXX account ( XXXX ) for XXXX $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau. Beside of th at I want to inform that the same debt was already dispute with Southwest Credit and fully de leted on XXXX / XXXX / XXXX
Company Response: Closed with explanation

Timely Response

2017-04-21

Pearland, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-21

Newark, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-21

Junction City, KS

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response