Southwest Credit Systems, L.P

2017-04-20

Oxford, GA

False statements or representation

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

Attempted to collect wrong amount
Complaint: XXXX XXXX closed XXXX acct & returned equip In XXXX , XXXX XXXX XXXX web portal indicated I had a CREDIT balance due me of {$180.00}. This credit balance was discussed in multiple conversations with XXXX thru X/XX/XX . In all communication I maintained that I disputed any amount due XXXX as their portal and my accounting indicated otherwise. XXXX verbally acknowledged my position and assured me they would reconcile the acct. Never heard from XXXX again. In XXXX XXXX XXXX placed an unsupported debt in the amount of {$84.00} with SouthWest Credit of XXXX TX. No supporting documents or debt description was provide d. Southwest Credit failed to contact me regarding this claim and filed a collection action against me in XXXX XXXX with no phone or written attempt to resolve the already disputed item. I have had good credit for 30+ ye ars and a FICO score in the XXXX range. I applied for a mortgage in XXXX XXXX and was declined because of this single {$84.00} disputed collection item. Aside from every bit of the activity of XXXX an d Southwest Credit b eing unjustified and unsubstantiated they have placed undue and unwarranted derogatory claims against me that are impeding my ability to secure credit. I have filed disputes with all XXXX credit agencies, XXXX ( ER ticket # XXXX ), online wit h SouthWest Credit ( via their contact us web form ).
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-20

Grand Prairie, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-20

Tampa, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I do not owe on a XXXX XXXX collection bill, XXXX XXXX is my current service company and I always pay my bill on time and have active service. This is inaccurate data
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-19

Livonia, MI

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-19

Phila, PA

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

2017-04-19

Philadelphia, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have been contacted incessantly and at all hours by various representatives of " SW Credit Systems LP. '' They claim I owe {$260.00} to XXXX from XX/XX/XXXX and on XXXX listed this is my XXXX credit file. I do NOT owe " SW Credit Systems, LP '' ANY balance whatsoever nor anyone they claim to represent, including XXXX .
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Gardena, CA

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Monroe, WA

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

2017-04-17

Bremen, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received a letter from Southwest Credit dated XX/XX/2017 about a debt in the amount of {$260.00} from XXXX. I mailed them a Cease and Desist letter on XX/XX/2017. I received a letter from Southwest with a different account number and an amount of {$990.00}. I received a collection letter with the {$990.00} debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Wesley Chapel, FL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Unknown account, never have done business with this company, disputed requesting validation please help
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Houston, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Oxford, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have no idea who this collection agency is, nor have I received any communication from them other than repeated phone calls that are becoming harassing. This company repetitively calls my phone and has never left a voice mail message. After calling the number back and learning it was a collection agency, I thought it was spam since they have yet to leave a message and blocked the number. However, they continue to call from several different numbers and do not leave a voice mail message anytime they call. This is a brief list of times and dates from 3 different phone numbers they have called from : XXXX : XXXX : XXXX XXXX : XXXX : XXXX, XXXX, XXXX XXXX : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX This out of control and I am demanding that this company never contact me again.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-16

Kent, OH

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-15

Baltimore, MD

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

2017-04-15

Bellaire, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: DEBT COLLECTOR ONLY SENT ME A COPY OF A BILL AS " VERIFICATION OF DEBT. '' I HAVE DOCUMENTED MULTIPLE ATTEMPTS TO GET FURTHER INFORMATION FROM THIS COMPANY TO NO AVAIL. A COPY OF A BILL IS NOT VERIFICATION OF DEBT. I DID NOT ASK FOR A BILL COPY. THIS DOES NOT MEET THE FEDERAL TRADE COMMISSION 'S GUIDELINES OF WHAT CONSTITUTES PROPER DEBT VALIDATION. ( FDCPA 809B ) All debt collectors operating in the State of Texas must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-15

Allentown, PA

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Dacula, GA

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

2017-04-14

Sandy Hook, CT

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

2017-04-13

Braddock Hills, PA

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

NV

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: I made a agreement to pay debt but not own the debt. I ask could they put my agreement in writing and they refuse to but in writing what I agree to pay them because they say it is they company policy not to give a written agreement. It also is not the amount that they company wanted from they phone company the asking me an amount more than what they claim i owe
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Pacific Palisades, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Mc Kinney, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

San Gabriel, CA

False statements or representation

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

Attempted to collect wrong amount
Complaint: On my XXXX credit report, Southwest Credit is representing XXXX for XXXX derogatory amounts on my credit report, XXXX for {$94.00} and the other for over {$500.00}. This debt collector is not on my XXXX credit report. These XXXX derogatory remarks dating back to 2012 are keeping my credit score from going up on the XXXX credit report. I 'm in the process of negotiating a loan for a new car and to be a well-qualified buyer for the best interest rate I need my XXXX credit report to be over XXXX because the finance companies use XXXX Car Loan credit score for approval.I 've worked diligently and in good faith settling my debts and my XXXX credit report is showing my credit score to be XXXX, however the XXXX credit report is still in the fair category at XXXX. I believe I do not owe Southwest Credit for any collections.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Glendale, CA

Communication tactics

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

Threatened to take legal action
Complaint: Southwest Credit Systems called me to collect on a debt from XXXX. The first time they contacted me they claimed to be calling from the State of California and were collecting information on pending litigation. Then after I cornered them on that lie, they pretended it was not one of their employees that called me, yet continued to harass me, claiming that they were collecting information on a future lawsuit. They also called my wife and XXXX year old daughters phones. I told them that I do not allow them to call anywhere except for my phone, they stated they would call wherever to collect the debt, I told them it was against FCRA, they stated it wa n't. Then I told them that I had not received a final bill from XXXX and I needed to verify since they had not sent me any paperwork. There have been days that they call 20-30 times if not more, I have yet to receive anything from them or XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

Houston, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: This fraudulent account I have contacted Soutwest credit about multiple times will not remove this collection account from my credit reports, after I asked for proof this is my debt the only sent me a bill, a bill is not a justification of debt. They never sent me a signed copy of my contract with them or XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response