Southwest Credit Systems, L.P

2016-08-10

Baltimore, MD

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 Untimely Response

2016-08-08

Houston, TX

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

2016-08-08

Keezletown, VA

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: During a review of the credit report provided by my credit card I noticed a collections company I was not familiar with, SW Credit Systems, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I phoned this company and was connected with a rather inept individual who only stated I owed a cable company {$610.00} from a debt dating to XXXX. I was unaware of this debt and stated as such and mentioned that, in the state of Virginia, it was a time barred debt. This individual, after repeated holds to " talk with his supervisor '' switched me to an answering machine rather that the aforementioned supervisor. I was called later that afternoon and the process continued eith another unnamed individual. The XXXX relevant facts from this conversation were that XXXX still owned the debt, SW Services had had the debt for one year, and -finally-if I paid {$300.00} during that call the debt would be satisfied. I then filed a complaint with the company and received a reply from XXXX XXXX, Executive Relations Manager. auto-dial, or text to discuss your reasons for contacting SWC True by providing this email, you are expressly giving SWC permission to contact you at this email to discuss your reasons for contacting SWC True Name of SWC agent ( if known ) XXXX XXXX for contacting SWC I noted a derogatory debt on my creditwise credit report with the name of your company. Having no knowledge of the debt I called and spoke with your clueless rep XXXX. I say clueless because he was unable to find my information and I had to be put on hold for him to " check with his supervisor '' I was eventually told that I owed a debt to XXXX, dated XXXX/XXXX/10, for the amount of {$610.00}. I have never been contacted about above said debt. XXXX also stated that you have had the debt for 4 to 5 days. This is an outright lie as I noted it on the above said credit report a month ago. I requested a letter of validation, yet never took my email address. I informed him that-in XXXX-this is a time barred debt. Time for a supervisor check ... tic ... tic..tic ... then I was transferred to a voice mail, without warning, saying that a credit manager would be contacting me. There can be little doubt why your company has the reputation it does when perusing reputable online sites. XXXX XXXX, Southwest Credit Systems, L.P. ( " SWC '' ) has received your complaint submitted through our website. I appreciate you offering us the opportunity to assist you with your issue. SWC apologizes for the bad experience you had when calling our office. SWC strives to assist every consumer in their initial contact. Unfortunately, it appears this did not happen in your case. Due to SWC 's heavily regulated industry, we are unable to provide specific account information through email. It is SWC 's wish to help you in whatever manner possible. Generally speaking, SWC can not provide legal advice. However, SWC does not believe it has any dealings with time-barred debt. SWC does not have any relationship with " creditwise '' and is unfamiliar with any reporting they provide. Having received your validation request, SWC will provide validation within the allotted time permitted by law. Unfortunately, we are unable to provide this via e-mail. Again, SWC apologizes for any confusion and appreciates you bringing this matter to our attention. SWC will use this experience as a way to better train its agents to assist consumers going forward. In the event you need further assistance, please contact our Executive Relations Manager at XXXX. Further research indicates that this company reported this debt on my XXXX credit report with no notification to me. Thank you, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-08-08

Pinellas Park, FL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I filed a dispute with XXXX regarding yet another account that is in collections in XXXX, which is due to stolen identity and the result was that XXXX is continuing to list this account as mine on my credit report. I have had identity theft going on for over 2 years and I am just beginning to restore my credit and now it starts all over again. I am very weary of filing complaints, disputes, affadavits, sending registered mail, faxes, numerous phone calls etc, etc.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-08-06

Keyport, WA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I had been a customer with XXXX since 2010 and after many issues with there service, I had canceled it and switched providers. They then sent me a bill which was way to high. Because previously I had paid off my phones. They stated that bill does n't reed right when the phones get paid off and because I switched providers would not allow access to my account to see how it was billed. There letters do not give exact details of how moneys were applied. They also said I had a leased phone in which I disagreed because the representative lied to me about there lease program. After all of the discussion of the bill they sent me to collections with SW credit solutions. SW credit solutions never sent me a letter stating they were collecting the debt and never gave a notice of my rights. They then reported negatively to my credit and never gave me a option to even pay the bill. This whole time I have been willing to pay but was just wanting to pay the fair amount.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-08-04

West Harrison, NY

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed

Disputed: Yes Untimely Response

2016-08-03

IL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: A collection reported me to all XXXX credit bureaus about a fraudlent debt, that I never owed to XXXX, and without notifying me. I faxed a letter to that company on XX/XX/XXXX disputing the debt and requesting that they contact the credit bureaus and inform me that the debt is being disputed and requesting them to delete it from my credit report. The company failed to do that and asked the credit bureaus to continue the debt till XX/XX/XXXX.I verified with XXXX rep and she advised me that the collection agency requested to keep the debt on my report. Please see attached letters.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-08-03

CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I ran a credit report ( XXXX ) to rent an apartment and discovered an outstanding amount in the Collections section. This debt does not belong to me and can not possibly belong to me. I researched the collections agency ( SouthWest Credit System ) and discovered XXXX other complaints against this company for false collections claims. This false collections claim seems to have been on my credit report for some time and is completely bogus. It has hurt my credit rating and I want it removed.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-08-02

Philadelphia, PA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: SouthWest Credit Systems, LP placed an account on my creit file without notifying me. I advised them in my previous dispute that their in violation of the early-warning notice clause of FACTA section 623 ( A ) ( XXXX ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. if the creditor or collection agency refuse to remove the incorrect information they are in violation of FACTA section 623 ( A ) ( 7 ).
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-07-30

Detroit, MI

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

2016-07-29

Los Angeles, CA

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed

Disputed: No Untimely Response

2016-07-26

Pottstown, PA

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: Yes Untimely Response

2016-07-26

Cheverly, MD

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: unauthorized use of estate 1 ) Name and address of the holder in due course of the alleged Debt, 2 ) A copy of the original signed Contract and all of its amendments, addendums, between the parties, 3 ) Copy of the original signature for each item listed on the account statements, Verification is to be attested, under penalty of perjury, by a wet ink signature.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-22

N Hollywood, 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 Untimely Response

2016-07-18

Glenview, IL

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

2016-07-17

Bellaire, TX

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 Untimely Response

2016-07-15

Dallas, TX

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 Untimely Response

2016-07-15

Bremen, GA

Communication tactics

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

Frequent or repeated calls
Complaint: They keep calling me at my place of work everyday.when I told them My employer does not allow me to receive calls here at work.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-14

Tarzana, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have been repeatedly contacted by South West Credit Collections. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. In 2015, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. I have been repeatedly disputing the South West Credit Collections account. This is not my accounts. I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with. However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-07-13

IN

Communication tactics

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

Frequent or repeated calls
Complaint: Southwest Credit System acquired a charged off account that I had through XXXX. They call me 5 or more times a day from various phone numbers. The majority of the times are robo calls and when i answer, it connects me to a live representative. They usually mask the phone number with an Indiana are code since I live in XXXX. The following is an example of what they are doing and this is just from XXXX XXXX. XXXX called 10 times, XXXX called 5 times, XXXX called 4 times, XXXX called 15 times, XXXX called 11 times, XXXX called 9 times and Unavailable called 6 times. There are other numbers and earlier dates but the above mentioned are the most recent. The times of the calls very during the day. For example XXXX ( XXXX ) XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XXXX., XXXX. and XXXX XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. This company has also put this debt on my credit report which I am trying to dispute. After reporting this, I plan on filing a written cease of communciation notice but I feel this company should be held liable for their collection actions. If any more information is needed please let me know. Thank You
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-12

Cocoa, 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

2016-07-12

Ardmore, MD

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

2016-07-11

Ernul, NC

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

2016-07-10

Itasca, IL

False statements or representation

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

Attempted to collect wrong amount
Complaint: I settled with them. I was told the account would be marked as PAID and closed. It never did. I was told that I should expecting a letter from them stating I pay the agreed amount. I never did. I believe I was scammed by these people
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-07-08

Wallington, NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: several attempts asking for validation with no results. they continue to place this blemish on XXXX out of XXXX reports and at this point it is becoming harassment and slander. I do not own a home but I am trying to purchase one and I have never had any utility bills in my name.
Company Response: Closed with explanation

Disputed: Yes Untimely Response