Southwest Credit Systems, L.P

2016-06-08

Bannockburn, IL

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

2016-06-08

N Haven, CT

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I called the depth collecting agency and they said that it was n't active because it was n't me after all.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-07

Jupiter, FL

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: XXXX credit is reporting a debt i do not owed i was never contacted by them or any other company about this. This is affecting my credit history
Company Response: Closed

Disputed: No Timely Response

2016-06-06

Lexington, KY

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

2016-06-05

Chicago, IL

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed

Disputed: Yes Untimely Response

2016-06-04

Elizabeth, NJ

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed

Disputed: No Untimely Response

2016-06-03

Natrona Hts, PA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-03

TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Southwest Credit, LP purportedly acting on behalf of XXXX XXXX XXXX XXXX wants to collect a debt that I do not owe. All my bills for services provided to date by XXXX XXXX XXXX have been paid in full as shown in an attachment hereto. I have sent notices of dispute to both XXXX XXXX XXXX and to Southwest Credit, copies of which are attached hereto.
Company Response: Closed

Disputed: No Untimely Response

2016-06-02

Northside, NC

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I had an outstanding balance with XXXX XXXX XXXX that I paid XX/XX/2016. In XX/XX/XXXX, a collection agency named SW Credit Systems reported on my credit report with XXXX and XXXX XXXX, that I had a collection account with XXXX XXXX XXXX. At the time, I was under contract to purchase a house, and the appearance of this collection account dropped my scores and prevented me from doing so. I have contacted SW Credit System multiple times informing them that I never received a collection notice prior to this account showing up on my credit report. Furthermore, I have explained that this balance was paid, prior to their agency reporting it. Nevertheless, they have told me numerous times that they refuse to delete this account from my credit report. Meanwhile, its existence continues to prevent me from moving forward with mortgage financing options. Their actions are in direct violation of the Fair Debt Collection Practices Act.
Company Response: Closed

Disputed: Yes Untimely Response

2016-05-31

Flushing, NY

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed

Disputed: No Untimely Response

2016-05-30

Boise, ID

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Southwest credit XXXX are still hurting my credit even though I already paid it off and it 's been four months. I want this to get fix ASAP because it 's holding me back on purchasing necessities in my life.
Company Response: Closed

Disputed: No Untimely Response

2016-05-27

Houston, TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: I received a notice requesting payment from SOUTHWEST CREDIT SYSTEMS on behalf of XXXX for account XXXX/XXXX/16. I made payment XXXX/XXXX/16 under the false representation from SW Credit that the debt would be cleared with the original creditor in 3 business days. XXXX/XXXX/16 I contacted the original creditor and was told by them the collection agency has not cleared the debt. XXXX/XXXX/16 I contacted SW Credit systems and was told by employee XXXX that a mistake was made on their end and they would contact the original creditor and promised it would be cleared in 2 business days. XXXX/XXXX/2016 contacted original creditor and was advised the account still was not cleared. Called SW CREDIT spoke to employee XXXX again who advised it would take 2 more business days to clear but on that day he would send me a settlement letter via email. The same email address I received the request for payment XXXX/XXXX/16. XXXX/XXXX/16 I received an email from original creditor that the debt was still active in their records. I also never received the settlement letter from SouthWest Credit that I was promised on XXXX/XXXX/16.
Company Response: Closed

Disputed: No Untimely Response

2016-05-23

Bel Alton, MD

Improper contact or sharing of info

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

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Fort Worth, TX

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: This debt was included in a Chapter XXXX BK XXXX filing. This has been addressed by the CFPB previously and the collection agency stated they would stop all collections and remove debt from my credit report. This debt has now been added back to by credit report and the collection calls has returned.
Company Response: Company disputes the facts presented in the complaint Closed

Disputed: Yes Timely Response

2016-05-20

WA

Communication tactics

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

Frequent or repeated calls
Complaint: Since Monday XXXX I have received calls from this company each day and most twice a day. This company has blatantly violated the FDCPA in attempting to contact more than three times a week. Then attempts were XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX, and last attempt was XXXX at XXXX when I finally got through to someone and told them to stop calling. In addition after discovering what the account was for and who the company was they have also failed to send the first notice for the account as it has never reached my residence and the address that the original creditor has/had is my current address. They used XXXX different numbers to contact me : XXXX, XXXX, and XXXX
Company Response: Closed

Disputed: No Untimely Response

2016-05-19

Warren, RI

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Noticed collection on XXXX credit bureaus from XXXX XXXX for XXXX. I wrote a letter for validation and collection company sent me copies of billing statements. The address on the billing statement was not the address I lived at during the time of debt. I sent copy of my lease for the time period and company wrote back stating the collections would be closed and removed. they have not closed or removed the collections fro credit bureaus
Company Response: Closed

Disputed: Yes Untimely Response

2016-05-18

Fresno, CA

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Closed

Disputed: No Untimely Response

2016-05-18

Brooklyn, NY

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

2016-05-18

Aurora, CO

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 Untimely Response

2016-05-18

Fresno, 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: No Untimely Response

2016-05-16

Bloomington, MN

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: They are trying to collect a debt that was paid in full to the original creditor ( XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: Yes Timely Response

2016-05-14

Arcadia, NC

Communication tactics

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

Frequent or repeated calls
Company Response: Closed

Disputed: No Untimely Response

2016-05-12

Agua Dulce, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed

Disputed: No Untimely Response

2016-05-11

FL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I have asked South West Credit Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX 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

Disputed: Yes Untimely Response

2016-05-10

MD

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 trying to collect a debt for XXXX XXXX which is not mine. The person whom they are looking for has a similar name but different social security number.I have received harassing and threatening calls and they reported the false information to XXXX This derogatory information is preventing me from closing on my new home. It 's frustrating and unfair. As a consumer I feel powerless, how can I protect my credit from such situations. I have contacted Southwest Credit Systems several times and although they have admitted the social security numbers are different they refuse to remove the false information. The XXXX has contacted the company 5 times and each time Southwest Credit Systems ignored their letters and email. XXXX is also currently waiting to hear back from Southwest Credit Systems but they have yet to respond to them. I do not know what else to do. All I am asking for is a letter to clarify that I am not who they are looking for so that I can close on my home and go on with my life.Please help me!!!
Company Response: Closed

Disputed: No Timely Response