Southwest Credit Systems, L.P

2016-12-18

Fort Worth, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have no knowledge of debt that this company is attempting to collect.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-12-17

Federal Way, WA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: My credit record shows a charge due to XXXX, which I do not believe I owe. XXXX has said there is no record of me owing this amount, and the collection agency continues to ignore my repeated efforts to get information to learn what these charges are for. I am attaching the letters I have sent and have not been successful in removing this charge from my credit record.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Dover, DE

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

2016-12-16

Mill Valley, CA

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: This southwest credit systems has been robocalling my parents home where I no longer even live literally XXXX times a day and each time has no information to provide i.e. What the debt is or what company they represent and who the debt is in regard to. They call from multiple phone # XXXX and have not contacted me once in writing about anything. This is illegal and has done nothing but disrupt my parents lives. I ca n't even figure out who they represent not to mention I do n't trust anything verbal with these companies as they are the ambulance chasers of debt XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-15

Wilkes Barre, PA

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

2016-12-15

Irvington, NJ

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

2016-12-14

Cottleville, MO

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

2016-12-13

NY

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I closed my XXXX account in XXXX with the balance paid in full, and have documentation from XXXX showing this. According to XXXX and debt collectors, XXXX 's systems seem to indicate that there was an outstanding balance on the account from XXXX or XXXX of XXXX. I have a document ( see attached ) from XXXX dated XXXX XXXX, XXXX stating that I returned my equipment and had no outstanding balance. This account has been repeatedly sent to collections agencies. In XXXX, I successfully disputed the charges and the collection agency XXXX XXXX XXXX XXXX requested that all reference to this debt be removed from my credit history ( see attached ). Unfortunately, XXXX simply contracted another agency to collect the debt ( SW Credit ). I have called XXXX multiple times, but no one has been able to explain why I owe this money when I have a document showing that my account was paid in full when I closed it. They have not even been able to provide an email address that I should send a copy of the documentation to so that XXXX could evaluate it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-13

El Paso, AR

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: Reporting/collecting unverified/unvalidated debt to credit bureaus. They are not licensed to collect in my state ( Arkansas ) to do so,. See Ark. XXXX XXXX. XXXX. The statue of limitations is up in my state. AR Code XXXX XXXX. XXXX XXXX This is a violation of AR collection law and fair debt reporting practices. I have been disputing a collection account on my report from Southwest Credit Systems, L.P. ( original creditor XXXX XXXX XXXX XXXX ) since XXXX 2016. On XXXX 2016 the account was removed from my XXXX credit report because it could not be verified or validated ; and at this time XXXX was the only bureau reporting the collection account. Since, the company has changed the address and even date and re-reported the debt without my knowledge or the 5-day notice required by law to notify that it would be re-inserted. This situation is really hurting my credit reports on all XXXX bureaus and affecting my ability to purchase a reliable vehicle and take care of my family. I check with a lawyer and we have found multiple violations. The collection should not be on my report and is affecting my ability to purchase a reliable vehicle and take care of my family. Please remove this from all XXXX bureaus as it is being unfairly and wrongly reported.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-13

San Jose, 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: Yes Timely Response

2016-12-08

Chicago, IL

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

2016-12-07

Portland, OR

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: Yes Timely Response

2016-12-06

Rancho California, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed

Disputed: No Untimely Response

2016-12-06

Arsenal, PA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I paid my final bill to XXXX, sometime in XX/XX/XXXX. I no longer owe them money, or even have an account with them. At least once a week I receive a phone call from Southwest Credit about the " debt. '' I have informed them many times that it has been paid, and I even called XXXX to straighten it out, and I am still receiving calls and letters to my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Untimely Response

2016-12-06

Anchorage, AK

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: SW CRDT SYS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SW CRDT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SW CRDT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-12-05

Burns Township, MN

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Closed

Disputed: No Timely Response

2016-12-05

SC

False statements or representation

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

Attempted to collect wrong amount
Complaint: XXXX XXXX representative came to my house told me nothing would effect my credit in any type of way and if I did n't want to continue with the package to call him. I had the cable for a two weeks and I called him and said he would cancel the plan. A few days later I recieved a bill over XXXX dollars.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-05

Maplecrest, NJ

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

2016-12-05

Key Biscayne, FL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: SOUTHWEST CREDIT XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOUTHWEST CREDIT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Untimely Response

2016-12-03

Garrett Park, MD

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had XXXX XXXX XXXX XXXX XXXX service. When I moved I called to close my account. I was told to return the equipment to XXXX. The equipment has returned and I have the receipt. I was contacted by a different collection agency in XXXX XXXX and I sent a copy of my receipt. In XXXX XXXX I leaned a collection item was on my credit report. I sent SW Credit a copy of the receipt showing I returned the equipment. They have not removed the collection team from my credit report.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-12-02

Orange Park, FL

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

2016-12-02

Phila, 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

2016-12-01

CA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I believe this debt was the result of id theft. When I called the could give mo valid reason why it was not. Since I have a current account with XXXX and since iff any payment was not made on a pre- paid insurance account that insurance would have quickly became invalid and a non issue. According to the Southwest rep it would be simpler to pay a debt of {$60.00} then exercise my rights but I strongly disagree. I would like to see the signed contract with my signature witch this company has refused to provide.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-11-30

Carver, MA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-30

Houston, TX

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: Yes Untimely Response