Southwest Credit Systems, L.P

2017-01-10

Decatur, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX is trying to charge me for telephone service after I started with XXXX. I moved my service from XXXX to XXXX XX/XX/2016. XXXX falsely wants me to pay for several months that I did not have service with their company. They were notified of the change, twice. I received my XXXX XXXX effective XX/XX/2016. XXXX is trying to bill me for 2-3 months after that date. I Paid {$260.00} on XX/XX/2016. The last payment for service prior to XX/XX/2016 was made XX/XX/2016 for {$270.00}. I do not owe XXXX anything. They appear to be upset because I transferred my service. Please help. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-09

West Memphis, AR

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

2017-01-09

Finksburg, MD

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

2017-01-09

Ridley Park, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I saw a credit collection with South West Credit System and original creditor I saw XXXX on my account. I have never open account with XXXX and I have called XXXX they I have no account with them. I have also called south West Credit System they also said I have no account with them too. So I 'm making this complaint so that that information to be remove from my credit report. I disputed with XXXX and they have taken the irregularities or collection from my account but still shows up on my XXXX report. So I want it to be taken off from my credit report. Thanks.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-06

Okc, OK

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-06

Greenbrae, NV

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

2017-01-06

San Bernardino, 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

2017-01-05

Portland, OR

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Southwest Credit ( SWC ) is attempting to collect {$290.00} from me. This amount was referred to them from XXXX XXXX. I requested documentation that would delineate the charges but have not received an adequate response. The SWC credit representative I contacted today could n't explain details of the disputed amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-05

Wesley Chapel, FL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: There is a collection listed for {$180.00} on my credit file, it keeps on changing company 's when I request validation. Please help
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-05

Occoquan, VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I TRANSFERRED MY SERVICE FROM XXXX TO XXXX WITH THE HOPES OF GETTING THE SPECIAL DISCOUNT AND THE PROMOTION THEY HAD AT THE TIME. I ALSO HAD MY HUSBAND TRANSFER HIS PHONE FROM XXXX CELLULAR TO XXXX WHICH IS ALL UNDER MY ACCOUNT. I WAS TOLD THEY WERE GOING TO PAY THE TERMINATION FEE FROM XXXX AND US CELLULAR AND I WENT ON THEIR WEBSITE TO SUBMIT MY RECEIPT AND THE INFORMATION REQUESTED BUT IT WAS NEVER PAID AND NOW IT IS AFFECTING MY CREDIT WHICH HAS NOW DROPPED TO XXXX DUE TO THIS COLLECTION RECORD WHICH I HAVE NEVER HAD ON MY CREDIT. I AM ASKING THAT THIS BILL BE PAID OR I WILL FILE A LAWSUIT AGAINST YOUR COMPANY. I BARELY GET A GOOD SIGNAL TO BEGIN WITH AND THE PLAN IS NOT EVEN WHAT I WAS QUOTED. I AM UNDER A GOVT DISCOUNT PLAN AND WHY IS MY BILL ALWAYS ALMOST {$200.00}? I AM A STUDENT AS WELL AND MY HUSBAND IS A RETIRED XXXX XXXX, WE DO NOT HAVE THE MONEY TO WASTE ON A SERVICE THAT IS NOT AS XXXX AS THEY CLAIM. I AM TIRED OF FINANCING A PHONE THAT DIES AND DOES N'T WORK WELL AS IT SHOULD, THE TABLETS WE RECEIVED WERE SUPPOSE TO BE FREE AND NOW WE ARE BEING CHARGED FOR IT. PLEASE PAY THE TERMINATION BILL FOR MY HUSBAND AND MY BILL FROM XXXX. I LIKE THE CONVENIENT OF MAKING PMTS ETC BUT I DO NOT ENJOY HAVING A SERVICE WITH A HIGH BILL AND BAD SIGNAL.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

So Effingham, NH

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2017-01-03

Taft, OH

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

ME

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: My identity was stolen. I filed a complaint, police report, affidavit, etc. I contacted the original company, and the collection agency to resolve this debt. Both of them keep sending me to each other, and neither will help in resolving this issue. I have spoken to supervisors at each company and still get the same answer- contact the other company. I want this debt removed from my credit, as it was fraudulent. The collection agency even offered to settle for {$300.00}! I am not paying a dime to a company I never had an account with!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Ardmore, MD

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

2016-12-27

Westerville, OH

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-27

Juniper Hills, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: No knowledge of this account. Never received a notice to dispute.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-27

CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I paid the remaining balance that I owed on the subscription XX/XX/2014. I have not recieved any services from XXXX since XX/XX/2014. Why open a collection two years later? This is now the second time this company is harassing me for money that I have already paid to them!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-23

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 Untimely Response

2016-12-22

DE

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XX/XX/2014 I moved. I paid my final bill with XXXX. XXXX sent a collection notice for this several months later. I contacted them and explained that this was paid. The service person said that they ( XXXX ) had system troubles during that time and that she would clear this up and remove the collection. XX/XX/XXXX I received the attached collection notice for that amount. I contacted XXXX and spoke to " XXXX '' who assured it would be handled. Southwest Collections, the agency, has since been calling me offering to settle the account WHICH I ALREADY PAID. I want this removed from collections and I want southwest to delete it from my credit file.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-12-21

Santa Barbara, CA

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 Untimely Response

2016-12-20

Greensboro, NC

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

2016-12-20

Mdn, MS

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

2016-12-20

CT

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: I contacted this agency in regards to this claim. I was told by a representative that this account was listed in error. The information on this account is not even my social security number so therefore was a data entry error on this agency 's side. I explained that this internal error was affecting my credit score. I spoke to a supervisor and was told that they are unable to fix this issue and I must dispute this directly with the credit bureau. I feel that this is unprofessional and that it is their responsibility to fix this error since they created it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

Cadwell, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This company previously removed this account from my credit report. About a week ago THEY PUT IT BACK ON. They continue to try to collect a debt that is not owed. 2 years ago I tried XXXX for cellular service. The service left a lot to be desired and every month my bill would creep up. XXXX day I contacted XXXX to find out why my bill was continuing to get higher and how I would go about canceling my service. I was told by the representative that I would have to send in a letter canceling my service. Well guess what I guess the rep got annoyed with me because 15 minutes later my service was disconnected. No warning nothing. Phone was disconnected so I was without a phone for several days. Then all of a sudden XXXX is telling me that I owe them {$500.00} for an early termination fee? How is that when XXXX was the one who broke the contract when the summarily turned off my phones for questioning their business practices. I filed a complaint with the XXXX and in response I received a phone call from a very rude women at corporate. I was told by their CORPORATE that if I returned the phones they would waive the early termination fee. I was even provided with shipping labels to return the phones. So I returned the phones ( by the way they were older model phones and refurbished so we are n't talking top of the line phones here ). I hear nothing again from XXXX and I figured they received their phones back. Fast forward ... .I begin getting letters from this Southwest Credit stating I still owe XXXX {$510.00} for " early termination fees '' A. XXXX turned off the service NOT ME and XXXX the phones were RETURNED. Somehow this company or XXXX can not do their jobs properly and are harassing me and ruining my credit for no reason other than they are incompetent. I am a single mother and a XXXX veteran and am trying to move to a better paying job but will be unable to secure housing for myself and my XXXX XXXX XXXX son because of this incompetence.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-19

Fort Worth, TX

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