Southwest Credit Systems, L.P

2016-11-29

Astoria, NY

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

2016-11-29

Arco, CA

Taking/threatening an illegal action

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

Attempted to/Collected exempt funds
Complaint: I USED TO HAVE AN XXXX ACCOUNT FOR MY VEHICLE. I SOLD MY VEHICLE IN 2014 AND DID NOT RENEW MY XXXX ACCOUNT BECAUSE I AM USING XXXX AND DO N'T HAVE A VEHICLE ANYMORE. TWO MONTHS AGO I WAS TRYING TO GET MY STUDENT LOAN AND THEY PULLED MY FILE AND ADVISED ME THAT THEY CAN NOT FINANCE ME A LOAN BECAUSE I HAVE A COLLECTION FROM SOUTHWEST CREDIT SYSTEMS. I HAVE CONTACTED THIS COLLECTION AGENCY AT XXXX AND THEY INFORMED ME THEY ARE COLLECTION FOR XXXX COMPANY. I HAVE EXPLAINED THEM THAT I HAVE PAID THEM FOR FULL YEAR AND NEXT YEAR DID NOT RENEW MY ACCOUNT BECAUSE I SOLD MY VEHICLE AND DID NOT NEED XXXX ACCOUNT ANYMORE. ALSO I NEVER HAD A CONTRACT WITH XXXX COMPANY. THEY HAVE REFUSED TO SEND ME ANY TYPE A CONTRACT THAT I SIGNED. ALSO INFORMED ME THAT I OWE THEY {$120.00} AND IF I DO N'T PAY THEY WILL HURT MY CREDIT FOR ANOTHER 5 YEARS.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-27

Smyrna, DE

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-27

Arlington, VA

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

2016-11-27

NC

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: On XX/XX/2016 by Certified mail Southwest Credit Systems, LP ( hereinafter SCS ) was notified that I am disputing that I owe them {$100.00}. As I 'm sure you know they are required by law to validate this alleged debt. They were also noticed that SCS is required by law to mark it disputed within 30 days from delivery of that notice. SCS did not respond to this letter nor did they mark my Credit Reports as " disputed '' within the 30 time period. On XXXX/XXXX/2016 by Certified Mail SCS received a second good faith attempt to correct their Administrative blunder advising them that they had failed to validate and failed to mark the alleged debt " disputed '' with the Reporting Agencies. On or about XXXX/XXXX/2016 I received a letter from SCS with what appears to be some type of accounting and or statements. Statements or accounting reports DO NOT meet law requirements to validate. Validation, by law, is something with my signature where I would be under some legal or contractual obligation to pay SCS. On XXXX/XXXX/2016 I responded to SCS via Certified Mail advising them that they " FAILED '' to validate, SCS also FAILED to mark my Credit Report as disputed and gave notification that because I have exhausted my administrative remedy in this matter that I would be filing a Law Suit against SCS. I have kept impeccable records ; I currently have admissible evidence to both ; Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ) violations. I currently have over {$3000.00} in violations. I will be filing a case in Small Claims Court against SCS on or about XX/XX/XXXX and have retained a local Attorney to argue my case. Keep in mind this alleged debt is {$100.00} and I have already invested over {$1100.00} to resolve it. I did find comfort in my Legal Council advising me that if he did n't WIN I did not have to pay him, he claims it is a slam-dunk AND after checking on other similar cases he will be suing for {$10000.00} which is what Small Claims Courts in XXXX Carolina allow. SCS was also advised that once the case has been filed I will no longer communicate or negotiate with them. I am reporting this to the Bureau of Consumer Financial Protection as I believe I am duty bound to notify. THANK YOU!! Respectively, XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-23

Elkins Park, PA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-21

Paterson, NJ

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

2016-11-21

Frisco, 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: Yes Timely Response

2016-11-21

Portland, OR

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have determined that Southwest Credit or SWC, of XXXX, XXXX, has left repeated automatic recordings using two different phone numbers. XXXX and XXXX. The recordings ask for XXXX ( not my name ). I have dealt with scam debt collection agencies through CFPB before. When contacted by CFPB they claim they made a mistake and the employee responsible has been re-assigned and is being retrained. I do not owe any money to anyone or any agency anywhere. If I did they would send me a letter. I would appreciate CFPB contacting Southwest Credit in XXXX ( I live in XXXX ) and inform them that if they can not prove I owe a debt to cease and desist calling me and remove my phone number from their robo list. I am on several " Do Not Call '' lists but they do no good. My research shows SWC has over XXXX complaints against them. Is that worth shutting them down?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-21

Etiwanda, CA

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

2016-11-21

FL

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 the debt trying to be collected.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-19

Logan, UT

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

2016-11-19

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I processed a separate complaint on XX/XX/XXXX and have not received the response i 've been looking for. This southwest credit sys company is obviously in a separate world and feels like the rules do n't apply. The government should shut companies like this down. I 've uploaded some documents relating to this. Thankyou
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-18

Newnan, GA

False statements or representation

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

Attempted to collect wrong amount
Complaint: 2 credit collection companies are trying to collect on the same debt from XXXX. Southwest Credit Systems placed a tradeline on my credit report on XX/XX/2016 and XXXX is also listed on my credit report trying to collect for the same company. I had to look Southwest Credit Systems up on goggle to get contact information. Once I contacted Southwest Credit they had over 5 addresses listed for me and none of them belong to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

Austin, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I respectfully request full investigation and based on the information I have provided I request the SOUTHWEST CREDIT SYSTEM be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. SOUTHWEST CREDIT SYSTEM needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I do n't know where this XXXX bill came from.! I 'm trying to fix my credit!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-15

Elsmere, 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

2016-11-14

Bargaintown, 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 Untimely Response

2016-11-14

Chicago, IL

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

2016-11-13

Texarkana, TX

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

2016-11-13

Erie, PA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: XXXX as of XXXX/XXXX/2016 has identified XXXX accounts opened under my name and my ssn all in the XXXX area. I have never lived there in 51 years. the company is fraudulently using my info and then selling it to credit collectors and reporting it on my credit. i have reported it to police and notified creditors.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-13

Colfax, IN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have no knowledge of this debt collection. I have never received any notice or anything regarding this collection from this company. This debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-12

E Fairfield, VT

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

2016-11-12

Lk Buena Vis, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: XXXX is trying to collect over {$1500.00} in debt when in fact I only owed them $ XXXX. I want this account removed from ALL my credit reports. XXXX. I have proof to show for it. Kindest regards, XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-11

Houston, TX

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I was a victim of identity theft and noticed a collection from SW CRDT SYS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SW CRDT SYS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response