Southwest Credit Systems, L.P

2016-07-08

Houston, TX

Communication tactics

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

Frequent or repeated calls
Complaint: I have moved numerous times since XXXX 2015 and only learned of this debt when reviewing my credit report, as well as a notice in 2015 at my parent 's address. I contacted XXXX XXXX XXXX, they stated it was about the equipment and I told them that it was returned since my ex made her own account and received different equipment. I was advised by XXXX XXXX XXXX that the issue had been resolved, my bill would be corrected to {$0.00} and they would contact Southwest to take it off of my account. I continue to receive calls at all times of day and night on my work line and cell phone. My number has been passed to XXXX different numbers. I receive calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and other numbers either leaving automated message that leads to no where or no voicemail at all. I receive more than three calls a day on work and cell line. It does n't matter what time of day or weekend. I feel this company is fraudulent and have only read bad news about this company being a ripoff. Please assist, I received three calls on my work line just as I was writing this issue. I feel this is harassment and continue to receive calls that I have to mute my cell phone and screen my work line. I can not work with constant harassment from phone numbers that even when pick up they do not leave message or the call is hung up.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-07

Chicago, IL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: As part of my agreement to pay the account in full the company agreed to delete the account from my credit reports. The account was paid in full on XXXX/XXXX/2014. To date the company has not forfilled there promise and the account is still on my credit reports. I called the company to follow and they stated that they will not stop reporting the account or ask the credit companies to remove the account.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-06

Flint, MI

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: On XXXX/XXXX/2016 I discovered an adverse remark being reported on my credit profile from Southwest Credit Systems, who is attempting to collect a debt on a {$74.00} account for XXXX XXXX. I was surprised as I was not aware of any debt owed to Charter, nor was I ever contacted or sent a bill. I called SW Credit Systems and they informed me that they sent the bill to an old address, and that they recently received the account in XXXX 2016. Should they have sent the bill to the correct address ( Upon closing my XXXX XXXX account I informed them I was moving and gave them my new address ) I would have paid the bill and avoided a negative remark on my credit report. There failure to meet the requirements set forth by the FDCPA, which clearly state that within 5 days from the initial communication they have to send me a notice advising me of my consumer rights and allowing me 30 days to dispute or pay this bill is now causing me serious financial harm. It is ridiculous that due to their own error, which they admit, they are unwilling to remove an unjust, erroneous, and incorrect adverse remark on my credit report. Ref # XXXX
Company Response: Closed

Disputed: No Untimely Response

2016-07-06

Fountainville, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: this debt just appear out of nowhere on my credit report
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-05

Concord Twp, OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-05

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 is reporting a debt that I know nothing of to the credit bureaus which is causing me damages due to the harmful listing. I disputed the account and is certain that they are in violation because the debt was never validated. They 're supposively trying to collect a debt that from XXXX XXXX. I never had XXXX XXXX. I live with my mother and she does n't have XXXX and never did. I will not pay for something I do n't owe. I will do my part to address the mistake and if necessary pursue other means to protect myself and my credit
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-01

Liverpool, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I have asked Southwest Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-07-01

OR

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: In a recent review of my credit report, I noticed that SW CREDIT SYSTEMS L.P has placed an erroneous and derogatory entry, claiming that I owe them {$230.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since SW CREDIT SYSTEMS L.P saw fit to place this item on my credit report, they obviously have all the information they need in order to investigate and correct there error. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of this debt. Please also be advised that this letter is not only a formal dispute, but a request that they cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-27

San Diego, CA

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

2016-06-26

Foxridge, MD

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed

Disputed: No Timely Response

2016-06-23

Broadview, 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

2016-06-23

So Effingham, NH

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

2016-06-23

Lewiston, ME

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 Untimely Response

2016-06-23

Chicago, IL

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed

Disputed: No Timely Response

2016-06-21

Wonder Lake, IL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: XXXX is showing an outstanding debt that was not ours. We have resolved it with XXXX, however it is still showing up on my credit report
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-06-20

Collegeville, 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 Timely Response

2016-06-16

South Florida, FL

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

2016-06-15

Washington, DC

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

2016-06-15

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Sir/Ma'am, I joined the military in XX/XX/2014. I had a 2 year contract with XXXX until after XXXX. Due to the fact that my XXXX was to XXXX, I would n't be able to use my XXXX service anymore. When cutting my contract with XXXX, I explained to the customer service rep that I had XXXX orders to XXXX. The rep told me everything was fine and that the early termination fee for cutting the 2 year contract was waived due to the SCRA. It has been 2 years since that conversation was made, and since then I have been receiving mail from debt collectors stating that I owe XXXX XXXX or so dollars. This has had a major impact on my credit, being that this occurred 2 years ago. I have called XXXX multiple times, and they keep telling me that there is nothing on file for my early termination, or the waiving of the fee. They have also said that Southwest credit, a debt collection agency, owns the bill now. They are the ones requesting the XXXX dollars. Is there anything that can be done to settle this issue? I will be XXXX to XXXX in a month, and I really would not like for my credit to keep going down as the time passes. The last concern that I have is the impact this has on my credit. If this issue does get settled, could the debt get removed from my credit altogether, or would it stay there saying I never paid a XXXX bill that was apparently " waived '' two years ago. I would really appreciate any help I can get on this matter. Thank you.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-15

Nashville, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed

Disputed: No Untimely Response

2016-06-14

Orlando, FL

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-13

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I was contacted by the debt collection agency regarding a debt. I informed them that I did not owe the debt. I emailed them a copy of the payment that was given to XXXX XXXX XXXX. The debt company moved forwarded and placed a negative report on my credit report. I have asked them to remove the statement and they refuse to. They simple state " Debt Paid ''. However it was not paid to them but the creditor.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-12

Philadelphia, PA

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: Southwest Credit Systems ( XXXX ) XXXX, keeps calling my telephone number looking for a XXXX XXXX. I have tried contacting them several times asking them to stop calling my number for this person because I do n't know who this person. They called ( robo call ) me today Sunday, XXXX XXXX, 2016 at XXXX. I want them to stop!
Company Response: Closed

Disputed: No Untimely Response

2016-06-11

Columbus, OH

Disclosure verification of debt

Debt collection: Non-federal student loan

Right to dispute notice not received
Complaint: SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with SW CREDIT SYSTEMS L.P.. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P. purport I owe. I request that SW CREDIT SYSTEMS L.P. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-09

Ft Lauderdale, FL

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