Southwest Credit Systems, L.P

2016-10-13

Blackwood, 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

2016-10-12

Calico Ridge, NV

Taking/threatening an illegal action

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

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Bartlett, TN

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

2016-10-10

Columbia, MD

False statements or representation

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

Attempted to collect wrong amount
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

2016-10-09

Wallington, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I file a complaint with XXXX about SW Credit Systems because Systems SW Credit Systems added a debt of $ XXXX.to my credit reports without notice has caused me a denial of housing, this is not my debt. Southwest Credit Systems, LP, did not provide notice to me prior to reporting negative information to the credit reporting agencies. Because Southwest Credit Systems did not give me prior notification, I was denied the right to dispute the debt or verification of debt. Southwest Credit Systems, LP also reported on my credit report that I opened the account with them ( Southwest Credit Systems, LP ) on XX/XX/XXXX. This is not true, I never opened account with SWCS, LP. I have no knowledge of nor am I aware of such business transactions with this company Southwest Credit Systems, LP or the company they represent ( XXXX ). By Southwest Credit Systems adding the debt of {$840.00} to my credit reports without notice has caused me a denial of housing and credit. By SW Credit Systems, LP adding / reporting a debt of {$840.00} and not notifying me prior to reporting to the credit reporting agencies is SWCS, LP for me to pay a debt that is not mine. I also sent a certified letter # XXXX to Southwest to remove the debt b/c it was not mine. During that time SW Credit reported the debt to XXXX and XXXX, after numerous back and forth between Southwest Credit Systems and the XXXX, Southwest removed it from my XXXX and XXXX reports at the time of SWC reported the debt it was not reported on my XXXX. On XXXX/XXXX/XXXX Southwest Credit they would cease and desist all contact regarding this matter on I got an alert that on XX/XX/XXXX Southwest reported to XXXX the same debt of {$840.00}. Also, I was in such in a dire to move from current resident I offered to pay {$250.00} so I could obtain housing. This offer was not a settlement but an agreement that they would remove this debt or report paid in full as agreed so I could obtain housing. SWC did not provide validation of this debt belonging to me. This has been on-going with Southwest Credit System since XX/XX/XXXX, as I have stated to Southwest, this is not my debt. I have no knowledge of this I only offered to pay {$250.00}. b/c I was in need of immediate housing and I am un-employed. This was an offer, not a settlement only to get housing that is the only reason I offered the payment of {$250.00}. for this debt that do not belong to me.
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

2016-10-08

FL

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I received an alert regarding a collection account placed on my XXXX report. I have never received anything in writing confirming any sort of delinquent accounts or debt collections. All addresses in all my credit reports are up to date and accurate because there is fraud alert on all my credit reports. It states the account was opened in XX/XX/2015 and i do not have an account with the original creditor. When I contacted the phone number listed for the company they did not verify who I was. I checked all past XXXX, XXXX, and XXXX credit reports there is n't anything listed on my report from any collection agency or the original creditor. Both my XXXX and XXXX current credit reports do not have this account on it.
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

2016-10-06

N Andover, MA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
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

2016-10-05

Jonesboro, GA

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

2016-10-04

Greensboro, NC

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XX/XX/XXXX, I had a cable account with XXXX. My brother moved in and switched everything over to his name. On XX/XX/XXXX, I paid the outstanding balance left in my name. I remember this clearly because the cable man had to come out to fix a problem and my mother was leaving for Hawaii the next day. At any rate, There was an altercation on XX/XX/XXXX and I was forced to move out quickly. XXXX did put a collection account on my credit but solely for the equipment. I called them and explained the equipment stayed in the home when I left. They made note of this and deleted this item from my credit. As I have experience identity theft and major fraud between XX/XX/XXXX-XX/XX/XXXX, I did not utilize credit at all. I checked my credit on XX/XX/XXXX only to find that a debt collector had attached a XXXX debt to my credit report. I called them and spoke to a representative that I could barely understand but he was so rude I was beside myself. I attempted to explain to him the situation and that XXXX had removed this item from my report. At first, naturally going through the identity theft and the account stating it was opened XX/XX/XXXX, I was under the impression it was another fraudulent account. As the representative explained to me what it was I immediately told him oh yes it is in deed me. However, that was removed years ago. He argued with me telling me I owe some outrageous amount and it simply is not true. I believe this is an intentional act just as a means to keep my credit from improving and me regaining a life. I do not owe this debt. It is just a debt collector trying to get money out of innocent people. They lie and make up stories claiming you owe. This debt was already removed, how could it be back on my credit report 6 years after the fact? Debt collectors should be against the law as they lie and cheat people of their money. If you want to improve your credit they simply assume you will pay it even though they are lying.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-10-03

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: No Untimely Response

2016-10-03

VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I am a XXXX subscriber for both cell phones and FiOS, and have been for some years. XX/XX/XXXX, I planned to initiate XXXX XXXX XXXX in XXXX only to receive military orders to XXXX in XXXX. I explained that I had received military orders and that I had to cancel my planned XXXX XXXX installation through XXXX Customer Service, which properly processed the cancelation according to federal law, specifically the Soldiers and Sailors Relief Act of XX/XX/XXXX as amended. I was assured that the cancellation was successful and that I owed nothing. In fact, I never received any XXXX equipment, nor did I ever initiate service, nor did I ever have an installation performed, nor did I ever lease the apartment I had anticipated having XXXX XXXX because of the military orders I received. All was well. Upon arriving in XXXX, I contacted XXXX XXXX to contract for service, schedule installation, and open an account. That installation and contract proceeded very well and I had no complaints or issues. However, by XX/XX/XXXX, XXXX began billing me for the amount of {$1200.00} falsely alleging that I had not canceled service and falsely claiming I had received equipment that I did not in fact ever receive. I spent many hours on the phone with XXXX, especially after XXXX improperly reported me to the credit bureaus as having been delinquent in my payments. In fact, I had a XXXX account, and my payments were current, and the account in XXXX had never been opened and was canceled properly under XXXX and federal law. I even sent a copy of my orders to XXXX, which apologized profusely XX/XX/XXXX and removed the account from my credit report and ceased improperly billing me. I have had no issues for nearly a year. In XX/XX/XXXX, I received orders to return to XXXX, and I transfered my XXXX XXXX account and all my XXXX equipment with me. I am a current XXXX customer in good standing. This bill that I am being presented by Southwest Credit is in error, and XXXX knows very well that I do not owe and that this account was never opened. If XXXX sold this account to Southwest Credit, XXXX did so in violation of its own policies, in violation of XXXX law, in violation of the Fair Credit Practices Act, and in violation of the Soldiers and Sailors Relief Act. This is an illegitimate bill and Southwest Credit is engaged in debt collection fraud in attempting to collect on an amount I do not owe. This is outrageous and Southwest Credit continues to call me despite being told to desist and that I do not owe anything. I want Southwest Credit to desist from attempting to collect this fraudulent debt, and I want Southwest Credit prevented from attempting to extort me by reporting this illegitimate debt to credit bureaus. XXXX has a terrible reputation for engaging in such business practices, as does Southwest Credit, and I want both companies to be admonished and to cease attempting to collect this illegitimate debt.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-30

Rancho California, CA

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Untimely Response

2016-09-30

Nyc, NY

False statements or representation

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

Attempted to collect wrong amount
Complaint: XXXX promised me a credit on this matter but instead sold it to a debt collector. I was paying for 2 months of services they did not provide ... faulty equipment.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-30

Brooklyn, NY

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

2016-09-30

Fountainville, PA

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Complaint: southwest credit systems L.P. continue trying to collect on a debt that is barred from collecting according to 42 PA C.S. 5525 ( a ) promissory notes and open end accounts is four years
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-29

Malden, MA

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

2016-09-29

Omaha, NE

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: This company has attempted to collect a debt that is not valid. I changed cell services from XXXX to XXXX. The final bill and Early Termination Fees were to be paid by XXXX but this never happened.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-28

Shenandoah, 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 Untimely Response

2016-09-28

Mobile, AL

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

2016-09-28

Cadwell, GA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: This company is trying to collect a debt that is not owed. XXXX has been continually trying to charge me for XXXX phones that were RETURNED to them. I sent this collection company a dispute letter and they never verified the debt, Instead they put it on my credit report and are ruining my credit for an invalid debt. This company is violating the FDCPA. This is a fraudulent debt and this company has not provided me with the requested debt validation letter.
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

2016-09-27

Dalton, MN

Communication tactics

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

Threatened to take legal action
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-27

Tucson, AZ

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: closed account with XXXX XXXX company for home at XXXX XXXX XXXX XXXX, XXXX started new services at XXXX XXXX XXXX XXXX XXXX XXXX service there form XXXX XXXX on my credit report a collection debt from Southwest Credit Systems , LP account number XXXX for amount of {$630.00} open date XXXX XXXX collecting for XXXX XXXX Company for home on XXXX XXXX XXXX that i closed in XXXX how can the collection company use a XXXX date to make it seem like its a new debt when it was a XXXX debt just want the collection company to have a date the account was closed and give me the legal statute that a debt can stay om my report
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-27

Wallington, NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Southwest Credit Systems L.P. a appear on my XXXX credit report, which i have reached out to the company to rectify the problem because i am not and have n't done any business with XXXX for quit sometime. the account in question belong someone from XXXX NJ I was also told the SSN was different.. That 's what i was told when i initiated an investigation. I would for both XXXX and Southwest Credit Systems to stop all collection efforts. and to instruct the credit bureau to delete it from my credit file. Its important to note i have NEVER lived in XXXX NJ. and i was told that the account also had a SSN which was not mine.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-09-27

VA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I received a call from Southwest Credit demanding to know personally identifying information from someone named XXXX. She demanded to know my name, address, and other personal information but refused to advise me as to why she was calling or the nature of the alleged debt. I told her not to contact me again. I do not owe anything to anyone save for legitimate creditors, to whom I make payments on time. I am in good standing on all debts. This is extortion plain and simple.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-09-26

PA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Southwest Credit Systems are reporting XXXX account balances I have from XXXX. XXXX balance is {$810.00} and XXXX balance is {$610.00}. I want to pay XXXX balances in full. In exchange, I would like SCS to remove these accounts from my credit report. As I understand, reporting to credit bureaus is voluntary and the company has the discretion to remove the entry. Since there is no law requiring the entries on my report, I think removing them immediately after I pay the balances in full is fair. The account for the {$810.00} is now time barred. The statute of limitations has run out on being able to collect it. I still want to pay it if the entries are removed.
Company Response: Closed with explanation

Disputed: Yes Untimely Response