Southwest Credit Systems, L.P

2017-01-30

Hauser, ID

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

2017-01-30

South Florida, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: The debt was from 4 or 5 years ago, but it is being reported as a new debt as of XX/XX/2016, by SW Credit Systems Inc.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-30

PA

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: Last year a collection account appeared on my credit report from a company called SW Credit Systems. It listed the original creditor as XXXX in the amount of {$1000.00}. I have an open account with XXXX for my residence and I am always current on that account. So I wrote to SW asking to verify the accuracy of this account. They took it off my credit report XX/XX/XXXX. I checked my report today and it has been placed back on without submitting any evidence of the validity of this account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-27

Elsmere, DE

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

2017-01-26

Bronx, NY

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: The account that now appear in my credit report were dispute removed because the accounts have a wrong balance. Now the account appear again in the history, I am willing to pay a part of that balance to clear my credit but I do not consider it fair to pay everything Since that balance is not correct.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-25

Ridley Park, PA

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

2017-01-25

Tarzana, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: this debt was disputed and not validated back in XXXX 2016 -- while it was at sunrise collection it was reported on this site case # Case number : XXXX ] sunrise could not validate the debt and ceased collecting ... it seems as if they have now sold this same debt to Southwest Collections- XXXX -sw ref # XXXX -- XXXX XXXX i told them that this debt had already been disputed and never validated from the last collection agency -- - i asked them to provide the contract for this debt -- they say they have a bill ... a bill is not proof that this debt was incurred ... the fact that sunrise collections sold this to another credit agency, knowing it was not valid- is illegal.. and for southwest to keep collecting on this invalidated debt- a violation of the law ...
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-25

East Rockaway, NY

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX XXXX the security company repeatedly tried to collect on a bill that was never owed. I had service with XXXX when they overbilled me by {$250.00} claiming that they paid it to secure a permit for my alarm with the XXXX county Police. I have called them requesting that they produce evidence substantiating a permit application or payment in conjunction with the alleged application. In fact I have had such a permit with XXXX County Police that I paid XXXX for the past four years. I believe that they intentionally lied and misrepresented the fact that they applied and wanted to wrongfully charged me for money that was never owed. I immediately complained and they sold and transferred the account to a third party, when I complained to the third party they assigned the account to another debt collector.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-25

Portland, OR

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Called first XX/XX/2017 Specifically requested they do not call me ever again and to send validation of debt, she refused, repeatedly attempted to coerce me into giving more information. Told them not to and that I would ONLY deal with them by mail/email. Sent email and fax as written notification to cease all telephonic communications Called again XX/XX/2017 at XXXX XXXX, called back told them to cease and desist calling me. Sent an email to a XXXX and a VP requesting they cease and desist all telephonic communications Called again XX/XX/2017 @ XXXX, called back again requesting they cease and desist, informing them they are now doubly in violation of the FDCPA. Representative kept insisting " well I am a completely new person ''. This is not my problem, as any of them represent their company and are thus equally liable. Again, attempted to coerce me into a conversation after I repeatedly stated, " I do not deal with third party debt collectors, do not call me again ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Dulac, LA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have written Southwest Credit several times asking them to very the debt that they claim I owe. They have not provided me with any paperwork saying that I signed my name to a contract, only thing they keep sending out is a Bill. A bill does not validate a debt. I have been a victim of identity theft in the past. All i want is validation that this debt is mine.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-24

Dulac, LA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have written Southwest Credit several times asking them to very the debt that they claim I owe. They have not provided me with any paperwork saying that I signed my name to a contract, only thing they keep sending out is a Bill. A bill does not validate a debt. I have been a victim of identity theft in the past. All i want is validation that this debt is mine.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Bloomington, MN

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: I have gotten XXXX phone calls today from a number that pulls up as Southwest Credit, which is a company that I have contacted recently to cease all communications and record that I dispute the charges.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Aurora, CO

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

2017-01-23

Tarzana, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I cancelled internet service with XXXX XXXX XXXX. Per their own instructions and mailing label they provided via email, I returned the router as requested. Per the tracking number from said mailing label, it shows when I mailed back the router to XXXX XXXX XXXX. XXXX XXXX XXXX kept billing me for the router in the amount of $ XXXX but whenever I called XXXX & XXXX to advise that I had already mailed back the router, the representative would not assist with closing the account properly. XXXX XXXX XXXX now sent the amount to collections. I responded to the collection company with a copy of the print out from the U.S. Postal service showing that the router had been mailed back. The collection company is now claiming that through their " investigation '' that I still owe the claimed amount. This has also been reported to credit reporting agencies that I am in collections which resulted in loan applications being declined.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-21

Hillside, NJ

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: Yes Timely Response

2017-01-21

PA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: We have received a call from southwest credit asking for myself. I asked what it is regards to and all they said was it is a personal matter and we need to verify address. I am not going to verify anything to anyone unless I know what it is regarding, because of criminals.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Allen Park, MI

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

2017-01-20

Blackbird, DE

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: Southwest credit sustem reported a charge for a XXXX cable debt that does not belong.. I am a very credit conscious person and always made sure that I stay on the right path ... I was a previous customer with XXXX for years..My family decided to go with XXXX because of their bundle plan which included wireless services so I contacted XXXX over 6 years ago told them about the change they instructed me to return the equipment and do I did at the XXXX shopping center in XXXX DE and all balance was cleared they were still trying to get me back as a customer,,, I checked my credit in XX/XX/2016 and there was a charge from Southwest credit system so I called them and they informed me it was for XXXX but they could not locate my information so I needed to dispute it with the credit Bureaus which I did, ,Later I was informed by the credit bureaus that they stated it was valid and it was from XXXX ago..It appears that from the dispute they located my information..I have since written the agency a letter and XXXX cable and there is no response ... This is ruining my credit and I need some resolution, ,Please help me as I do not owe this
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-17

Stafford, VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This company is attempting to collect a debt I do not owe, I do n't know who they are and why they are attempting to collect from XXXX whom I do not owe. Apparently theirs an account that has been sold off in my name which I already have fraud alerts placed on all bureaus and XXXX etc.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-16

Cartersville, SC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-15

Houston, TX

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-14

Lynn, MA

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: I dont owe money to this company.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-14

Fort Worth, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Previous dispute : XXXX This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. By law this info requested is to be sent within 5 days notice is received via certified mail. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in continuing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and/or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, my attorneys and I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my managing attorney to continue in filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fails to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Southwest Credit Systems, L.P. in case legal action becomes necessary. The claim ( in accordance to FDCPA and FCRA laws ) can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information. The law in regards to this matter are not negotiable. I am invoking my consumer rights. Any attempt to circumvent the request made herein is a violation of my consumer rights. Law states if the request can not be completed, it must be removed immediately. My attorneys and I await your timely response.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-14

Klein, 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 Untimely Response

2017-01-11

Atl, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have reached out to Southwest Credit on several occasion to inform the company that I did not apply for a phone service with XXXX XXXX XXXX the only phone service that I have every had since I was release from prison in XXXX 2012 was XXXX and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response