Southwest Credit Systems, L.P

2016-11-10

Fort Worth, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have contacted both southwest credit systems and XXXX to have collections removed from report. I have submitted paid in full letters and talked to both parties AND credit bureaus but they keep giving me the run around. One company is saying it 's on the other company and another company is saying it 's the other one. I need it removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-10

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

2016-11-10

Houston, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I AM ATTEMPTING TO MAKE PAYMENTS TOWARDS THE ACCOUNT, HOWEVER THEY ARE REFUSING TO PROVIDE UPDATED STATEMENT AND RECIEPTS TO SHOW ANY PAYMENTS.. AS PER THE COMPANY, THEY ONLY SEND OUT A PROOF THAT THE ACCOUNT HAS BEEN PAID OFF. THEY ARE ALSO REFUSING TO UPDATE THE CREDIT REPORT SHOWING PAYMENTS UNTIL THE ACCOUNT HAS BEEN PAID OFF COMPLETELY. AS PER THE COMPANY I MAY USE MY BANK STATEMENTS AS PROOF. WHICH I BELIEVE IS INSUFFECIENT PROOF
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-10

Clayton, DE

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

2016-11-10

NC

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: A collection agency named SW Cred Sys just started reporting a collection account on my credit report for {$130.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

VT

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I returned the XXXX and everything was in working condition. I starting getting letters in the mail that I owed money for the XXXX. They did n't give a receipt so I had no proof of returning. I had heard from other customers that they were doing the same to them. I think personnel were stealing equipment and the company is unaware and is going after the customer. I refused to pay the amount because I returned the equipment and whatever happened to it after I left is not my responsibilty. I would like this removed from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-06

TX

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: XXXX XXXX continues to harass and defame me despite filling out the FACTA and onguard, FTC ID Affidavit by police regarding a cell phone opened in my name. The drivers license was n't even my own nor was the social security number yet they continue to harass and destroy my credit report
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-03

Birch Run, MI

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

2016-11-03

Mansfield, MA

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

2016-11-02

Fontana, CA

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

2016-11-02

Baileys Crossroads, VA

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

2016-11-01

Rochester, WA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I checked my credit about 2 years ago and found a collections for XXXX. I called and the conclusion of the conversation was that this was not my bill. I never lived in the address that the service was provided, and so it was taken of my credit. I checked my credit on XXXX XXXX and there it was again, but now it 's Southwest Credit. I tried phoning but it said that this number was not taking calls right now. I deputed the debt with XXXX and was told that this is a correct debt and I owe the amount. The funny thing is I never received any kind of collection bill from Southwest Credit until I desputed the debt and then within 1 week of the result from XXXX I received the first bill.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Farmingtn Hls, MI

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

2016-10-31

Buffalo Lake, NC

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

2016-10-31

Flushing, NY

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

2016-10-28

Lexington, KY

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I contacted Souhtwest Credit systems via certified mail on XXXX XXXX 2016 to dispute the collection placed on my credit report asking that they validate the debt and to mark the account as " Disputed '' with the credit reporting agencies. According to the FCRA Section 623 ( a ) ( 3 ) they violated this by not placing the disclosure within the required 30 day period. I will attach a copy of the certified mail when it was signed for as well as a copy of the credit reporting agency that has a date and time stamp showing this was not done within in 30 days of Southwest signing for the certified mail. I have contacted via certified mail a total of 3 times giving them ample time to resolve this matter since they violated a federal law.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-27

Elberon, 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

2016-10-25

Northridge, 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 Timely Response

2016-10-25

MN

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I am XXXX, so therefore I have not been contacted by this company, nor is it set up to answer a XXXX call. I was hung up on earlier when using my web based XXXX. Textbook discrimination. The credit report states that I owe XXXX {$290.00} dollars. This is not my debt. I do not owe this money. I only found out about this via XXXX and XXXX when checking my credit report. This is a classic case of fraud and debt scavenging. I have also reported this company to the XXXX and I have also sent it to my lawyer. There is no verification of this debt, nor have I had any contact with this company until seeing this blip on my credit report earlier this month.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-24

Drexel Hill, PA

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

2016-10-23

Belott, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-10-22

Scottsdale, AZ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have never had a contract with XXXX as a cell phone carrier. I have disputed the debt several time with the CRA and have had the debt removed from my report. Yet, XXXX will contract a different debt collection agency and they will reapply the debt to my credit report after I have won the dispute. It 's an endless cay and mouse game. I have asked for proof of the debt from XXXX and I have never received a response showing proof that I owe them anything.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-10-21

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 is trying to collect a supposed debt that is not valid. Phones were returned to ATT utilizing the shipping labels provided by XXXX as requested by the representative at XXXX. These phones were delivered back to XXXX however they refuse to fix the issue. Instead they are damaging my credit for FRAUDELENT charges.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-10-19

Greensboro, NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have to just put it how it is the SWC or whatever the collection agency is for XXXX is bold faced lying. There could n't be more of a lie told. First and foremost, they began claiming it was a debt from XXXX in Massachusetts. Now I see they are claiming it is a debt from XXXX in XXXX. I have new for you, 1. I did not even reside in XXXX at that time, and 2. The cable was not in my name. Therefore, you are lying. If you are not, please send me documentation as proof that I had service in my name in XXXX at that time. I guarantee you can not. When I spoke to you fraudsters, you stated it was because in XXXX you did not receive some receipt for equipment that was still at the location. You are seriously just flat out lying. You have nothing to back up your allegations. How can I owe on something I never had. The bottom line is I do not owe you anything! And I am not paying you a dime. What you need to do is send me via certified mail with a return receipt a copy of your phony documents. I know whomever is responsible for stealing my identity is attempting to keep fraudulent accounts on my credit report. I have not utilized credit since XXXX. You claim this is in XXXX in XXXX. Guess what? I did not live there. Get your facts straight before you lie. I can not believe you first attempted to claim it was in Massachusetts in XXXX now it was allegedly in XXXX. Obviously, you do not know where I was residing and you obviously do not know that the service was not in my name. STOP LYING! I can press charges for that. I will file a police report and I will provide your bogus statement with proof of my whereabouts and the fact that I did not have service. You are just some scumbag debt collector trying to get money. Not this time!
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

2016-10-18

Frederick, MD

Communication tactics

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

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: Yes Timely Response