Southwest Credit Systems, L.P

2017-03-14

Cherry Brook, MA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Because of their terrible services, I cancelled XXXX cable/internet services on XXXX/2014. I paid it off and turned to XXXX ever since. It 's been about three years that they keep harassing me by sending me a bill of {$120.00} which I DO N'T OWE. I have provided them the evidence and documents according to which I do n't owe them a penny, but they keep sending the same bill via a collecting company. This has impacted my credit score and I want to buy a home. Please help me get rid of them.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

Una, SC

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

2017-03-13

Lincoln, NE

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

2017-03-11

Hillside, NJ

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Benjamin, UT

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

N Hollywood, CA

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

2017-03-10

East Troy, WI

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I wish to report suspicious activity of a collector. On XX/XX/XXXX at XXXX AM, I was contacted by a " XXXX '' from phone number ( XXXX ) XXXX, claiming he represented Southwest Credit Systems. He was attempting to collect a debt owed to XXXX ( presumably XXXX ) in the amount of {$52.00} from XXXX. He confirmed the last four digits of my social security number. However, he then confirmed an address on XXXX in XXXX. I disputed that, as I have never lived at that address or even in XXXX. He said they have my driver 's license information. I asked what state issued the license. He confirmed the state of XXXX. I do not have an XXXX driver 's license. He then asked if I was [ First Name ] [ Wrong Middle Initial ] [ Last Name ] ''. I said I was not, and provided my name. At that point he gave me a fax number to send a letter to dispute the debt. I found a sample letter on the federal government 's website, and modified it to fit my situation. I am attaching a copy of what I sent. I am reporting this to you, as the situation is highly suspicious to me. I was worried I was the victim of identity theft, but my credit report not only has no fraudulent claims on it, but it also did not have this debt listed either. I am not sure how Southwest Credit Systems could have contacted me at my cell phone number without doing some form of credit report or credit check to get my information. Any review of the information on the credit report would have indicated to them I did not live at the address. The fact they have not put this debt on my credit report seems to indicate they are aware I am not responsible for the debt, but this is an attempt to collect the money from someone, anyone, any way they can. I believe their contacting me is an attempt to fraudulently collect money from me to resolve a debt they know I did n't owe.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-09

Antlers Park, MN

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Desoto, TX

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

2017-03-09

City Ranch, CA

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

2017-03-09

Nyc, NY

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Southwest Credit Systems LP has been reporting a collections account on my XXXX and XXXX credit reports. The balance is for {$2000.00} and the original creditor is XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I sent my first debt validation letter XXXX XXXX, 2017 ( Please see attached ). Southwest Credit Systems LP responded to this debt validation on XXXX XXXX, 2017 by telling me that I had a right to request the substantiation of the debt, which is exactly what I was trying to do with the letter I sent. In that letter, they told me to send the debt validation letter to different address than where the first letter was sent. Their response to my first letter is attached. I then mailed a second debt validation letter on XXXX XXXX, 2017 to the address given on their response to my first letter once again requesting the validation of the debt they claim I owe them. I have yet to receive a response from them. This issue is adversely affecting my credit profile, my credit score and it is hindering me from accessing financial products that can be of use to me. I respectfully request that the Financial Consumer Protection Bureau contact Southwest Credit Systems LP on my behalf and have them substantiate ( validate ) the debt they claim that I owe them. I do not recognize this debt and all I 'm requesting is that they follow the law. A request for validation of the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA requires that Southwest Credit System LP provide me with competent evidence that I have a legal obligation to pay them. This includes : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. Agreement with your client that grants you the authority to collect on this alleged debt. Verification that this debt was assigned or sold to a collector. Complete accounting of the alleged debt. Commission for debt collector if collection efforts are successful. I have not received any of the above required documentation despite submitting XXXX requests. If Southwest Credit Systems LP can not provide the above mentioned documentation, I request that they delete the account from all my credit reports.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

PA

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: Southwest Credit Systems inserted a prior deleted XXXX bill, erroneous info ... date of original fraudulent account was in XX/XX/XXXX, they reported it as a new date ... disputed it with XXXX, and still there as of XX/XX/XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Bayonne, NJ

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

2017-03-06

Foothill Ranch, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Jersey City, NJ

False statements or representation

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

Indicated committed crime not paying
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-05

Bellaire, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I received notification of a collection account with Southwest Credit Systems while in the process of applying for a mortgage. The account is showing with a date of XX/XX/2015. I have no knowledge of owing XXXX a balance and had paid them as far as I knew. Upon receiving my dispute letter from them, they responded only with a copy of a bill. This does not constitute as verification of debt.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-04

Frenchville, 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

2017-03-04

West Newfield, ME

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

2017-03-04

PA

Communication tactics

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

Frequent or repeated calls
Complaint: I moved into my house and had XXXX Install home phone and internet service In my home within the last week I have received 8 phone calls From the same debt collection company south west credit Asking for a woman I do not know. I 've returned all 8 phone calls this week and have told them Not to call I do n't know who the woman is that they keep calling and asking for. I have repeatedly advised the caller of the fdcpa and I get a call 2 hours later from the same debt collection company but from a different phone number. Several times the all is a automated robotic voice again from The same company but using a different number.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

San Gabriel, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: XXXX of XXXX is reporting a {$60.00} collection through SouthWestern Credit System accoujt number XXXX. But file belongs to a XXXX who is the principal on account. This was from XX/XX/2014 account still exists for XXXX. The account is under XXXX credit file. I have written and called XXXX but have not been able to speak with anyone. WE are trying to pay the account off, to eliminate negative report, but XXXX refuces to provide evidence account is paid of with a letter addressesed to XXXX even though it shows against her on the credit report. No way to confirm payment as all docuemnetation wouold go to XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

Atlanta, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: On XX/XX/2017, I received an alert via my XXXX account that a collection account from SW CREDIT SYSTEMS L.P. had been added to my credit report. The account referred to a XXXX account. This collection account was added to my credit report without any prior contact from SW Credit Systems. It is not mine -- I have a current and active account with XXXX. On XX/XX/2017, I sent a debt validation letter by certified mail to SW Credit Systems requesting them to validate this debt. They have not responded.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-02

Rose Hill, TX

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

2017-03-02

San Tan Valley, AZ

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

2017-03-01

DE

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had a service with XXXX from XXXX to XXXX. I close everything down, returned the equipment and paid off what they told me what I owe and what was on the bill and that was it. I never heard anything from them until XXXX when I saw that they were on my credit report. They never sent me any notice ( s ) or anything for over 2 yrs. I started cleaning up my credit report in XXXX to my buy my home and I took care of everybody that was on my report and they were not there. In XXXX of XXXX, I moved and I was just checking my credit report in XXXX I saw Southwest collection for XXXX and called them and ask them what this was about and they said that I owed XXXX {$120.00} from XXXX. I told them that I paid what I owed and they said I did n't. I asked to show proof, they could n't, they said they would have to go into records to find the bill. They ask to send it to me and I gave them my current address and sent me a bill. I looked in my old bank account where I paid off XXXX with the last payment of {$30.00}. Also I see on the bill that they charged me for service XXXX and XXXX when I shut it off in XXXX. I told them that I paid everything, but they insist on saying that I owe them. I 've sent 2 disputes, one to XXXX ( they did nothing and are now re- investigating XXXX and XXXX just got rid of it because they 're in violation of fair credit reporting by not XXXX notifying me of the debt XXXX trying to collect on a debt that is over 2 yrs old and 3. putting it on my report without giving any kind of notice. I just recently talked with Southwest ( because they keep calling here ) and told them they were in violation and the guy said they could do whatever they wanted to do. Also they said they sent a notice in XXXX to an address that I live at in XXXX Please fix this and have them dismiss the debt and remove it from my report. Thanks P.S. I have bank statements showing what I paid, but having problems getting them. ( it is almost 3yrs ago ) I can get them if necessary.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-01

Ferryville, WI

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