Southwest Credit Systems, L.P
Consumer Complaints
There are over 1941 complaints on file for Southwest Credit Systems, L.P. Dated between 2019-12-12 and 2013-07-19.
Complaints Page 53
2016-09-26
Boston, MA
Communication tactics
Debt collection: Other (i.e. phone, health club, etc.)
Frequent or repeated calls
Complaint: They claim to hold a debt I have with XXXX XXXX XXXX. I informed them that I 'm not working a permanent job, but when I have the money I will pay. They call repeatedly and when I answer they hang up. Per my caller ID they have called : Week 1 XXXX/XXXX/16 at XXXX, XXXX, XXXX XXXX/XXXX/16 at. XXXX, XXXX XXXX/XXXX/16 at XXXX, XXXX Week 2 XXXX/XXXX/16 at XXXX, XXXX, XXXX They call from XXXX different numbers : XXXX and XXXX This causes me to get XXXX, I feel like I 'm being badgered and bullied. I 've paid over {$5000.00} in debt this year alone that my estranged husband left in my name when he walked out on me. I 'm working really hard to rebuild my credit. I want to pay them, and I will. It 's just not fair to harass me, I 'm already under a lot of XXXX. Please assist.
Company Response: Closed with explanation
2016-09-26
Baton Rouge, LA
Incorrect information on credit report
Credit reporting:
Account status
Complaint: I had an account with XXXX that was opened XXXX/XXXX/XXXX. The account was sold or transferred to SW Credit Systems L.P. and they are reporting the date placed for collection as XXXX/XXXX/XXXX which is making it appear as though I just recently opened this account. I have not lived in Pennsylvania where the account was opened since XXXX XXXX. I disputed the date with XXXX and SW Credit Systems L.P. did not correct the date. I need the date to be corrected to the original date the account was placed for collection which was in XXXX, as soon as possible.
Company Response: Closed with explanation
2016-09-25
Birds Lndg, CA
False statements or representation
Debt collection: Other (i.e. phone, health club, etc.)
Attempted to collect wrong amount
Company Response: Closed with explanation
2016-09-25
Hialeah, FL
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Right to dispute notice not received
Company Response: Closed with explanation
2016-09-25
Manhattan, NY
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
2016-09-24
Nyc, NY
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Complaint: Southwest Credit Systems is reporting a collection account on my credit report that was previously assigned to XXXX XXXX and was deleted. Then, I get an alert on my credit report that SWC reported this account with an open date of XX/XX/XXXX. How is that possible? Now it says this account wo n't be deleted from my credit report until XX/XX/XXXX, which means they extended the statute of limitations and should not be allowed. They are in clear violation of the Fair Credit Reporting Act. I even tried to file a complaint against them with the XXXX.
Company Response: Closed with explanation
2016-09-23
Bear, DE
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
2016-09-22
Calumet Park, IL
Disclosure verification of debt
Debt collection: I do not know
Not given enough info to verify debt
Company Response: Closed with explanation
2016-09-22
Alexandria, VA
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-09-21
Philadelphia, PA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt resulted from identity theft
Complaint: This debt was originally with XXXX. I disputed the debt with XXXX Credit services a year ago. Since then they removed the account after there 30 day investigation. Since then XXXX has sent the account to Southwest Credit Company which is a collection company. This company has reported it back on my credit again with there account number. I called this company on the phone and tried to explain that this account has been removed over a year ago
Company Response: Closed with explanation
2016-09-21
Wallington, NJ
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Complaint: I am disputing account number XXXX with Southwest Credit System because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Southwest Credit System to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Company Response: Closed with explanation
2016-09-20
Bayway, NJ
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Complaint: I recieved and update on my credit report advising of a new collection in the amount of {$97.00} of which i do now have any outstanding debt of this amount. I do n't know if this company. However i have researched to find that they are known for fraudulent practices.
Company Response: Closed with explanation
2016-09-19
Glendale, CA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt resulted from identity theft
Complaint: I contacted Southwest Credit Systems in XXXX to dispute this and they asked me to send them a dispute letter so they can have this removed from my credit files. I sent that in on XXXX/XXXX/16 and rec 'd confirmation they rec 'd it on XXXX. Now three months later the collection is still on my credit reports and is affecting my ability to get a refinancing done.
I called them on XXXX/XXXX/16 and they told me to call XXXX to dispute it. I called XXXX and they confirmed it was fraud. The crook had my SSN and first name, but the last name and address were incorrect. They told me that since they sold it to the collections company, that I have to contact them.
These XXXX companies are deliberately putting me in an unending loop.
I have contacted Southwest Credit Systems to tell them again that XXXX says it was not my account.
This collection is still not being removed despite the fact that it has been established as fraud.
Company Response: Closed with explanation
2016-09-18
Jupiter, FL
Disclosure verification of debt
Debt collection: I do not know
Not given enough info to verify debt
Company Response: Closed with explanation
2016-09-17
Manor, DE
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt was paid
Company Response: Closed with explanation
2016-09-15
MD
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt resulted from identity theft
Complaint: As stated in a letter mailed off for the second time today. This was not an account that was initiated by me nor authorized. I have reported such to the police and the FTC and have both reports. As they are attached to this complaint along with the laws regarding the regulations on attempting to collect on a fraudulent account.
Company Response: Closed with explanation
2016-09-15
PA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: XXXX has issued on my credit report a deliquency of {$870.00} that is NOT MINE. I have never lived at the address of XXXX XXXX XXXX, XXXX, PA XXXX. I have tried getting this resolved by going to the XXXX center XXXX 3 times. I have called numerous times, I have filled all the necessary fradualant paper work, I have obtained a XXXX police report, I have everything documented and notarized. The charge is showing up on my credit report which is making my XXXX score low which has now affected my wife and I to receive a loan we are currently in the process of obtaining. I have all proper documentation stating that the person with the same name has a different age, different birthday, different ss # as myself. I need to know what my rights are. I have contacted an attorney and if I ca n't resolve this issue I will be filing a law suit against XXXX. XXXX has already admitted that the charge was put onto my account by the collections department ... .the person with the same name never tried to put service in my name. Therefore it was an error on XXXX behalf. They need to fix it. My wife and I have been put through XXXX trying to attempt to prove my innocence that this is not me nor my charge. We are the victim and we are treated like the criminal by XXXX.
Company Response: Closed with explanation
2016-09-14
Newnan, GA
Disclosure verification of debt
Debt collection: I do not know
Not given enough info to verify debt
Company Response: Closed
2016-09-10
Brooklyn, NY
Disclosure verification of debt
Debt collection: I do not know
Not given enough info to verify debt
Complaint: I have been getting repeated calls from the same number. Finally when I answer a man asks me to verify personal information and does n't disclose who he is, who he represents, or what he is calling about. Finally he says its about a debt ( I have no outstanding collections on my credit report ) but wo n't disclose the nature of it until I verify several pieces of personal information.
Company Response: Closed with explanation
2016-09-09
Houston, 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
2016-09-09
Staten Island, NY
False statements or representation
Debt collection: Other (i.e. phone, health club, etc.)
Attempted to collect wrong amount
Company Response: Closed with explanation
2016-09-08
Baltimore, MD
Communication tactics
Debt collection: Other (i.e. phone, health club, etc.)
Frequent or repeated calls
Company Response: Closed with explanation
2016-09-06
Auburn, WA
False statements or representation
Debt collection: Other (i.e. phone, health club, etc.)
Attempted to collect wrong amount
Complaint: XXXX offers me a settlement of XXXX to settle the account. When I called back it went up to XXXX and said that was never offered. Said the would review the call and call be back. They called after the settlement due date to say I owe the full ammount. Of XXXX They also like to auto dial my cell and hang out when I answer.
Company Response: Closed with explanation
2016-09-06
IL
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt was discharged in bankruptcy
Complaint: This company added to credit report XXXX/XXXX/2016 and shows placed for collection on XXXX/XXXX/16. I have also never heard from this company and when I tried to contact them I have not heard anything back. I have never received any correspondent from this company to know I had a debt with them. I filed bankruptcy with XXXX and not this debt collector because I did not know anything about them.
Company Response: Closed with explanation
2016-09-04
Boston, MA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt was paid
Complaint: This is the same debt that was from another Collection Agency, Southwest Credit, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year.
XXXX XXXX XXXX is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another
Company Response: Closed with explanation