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 58
2016-05-08
Long Beach, CA
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Complaint: I never opened a XXXX wireless account or did I give my authorization for any account
Company Response: Closed
2016-05-05
Dundee, NJ
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed
2016-05-05
Westfield Ctr, OH
False statements or representation
Debt collection: Other (i.e. phone, health club, etc.)
Attempted to collect wrong amount
Complaint: Stated clearly that only current dated verification materials would be accepted, as a pending FCC complaint is ongoing. Debt collector has misrepresented themselves as being in real-time contact with the original creditor. Presented nearly two year-old material as " verification, '' in direct contrast to the request made. Debt collector has also failed to provide itemized debt verification, and has artificially inflated the amount of debt for their own gain.
Company Response: Closed
2016-05-04
San Francisco, CA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Company Response: Closed
2016-05-02
Napa, CA
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Company Response: Closed
2016-04-30
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
2016-04-28
Asbury Park, NJ
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with explanation
2016-04-28
WY
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: This number constantly calls my place of employment, anywhere from XXXX7 times within an 8 hour day, 5 days per week, for the last month. I do not know what they are wanting because they will hang up or place me on hold for a representative. I 'm at work so I am unable to hold, nor am I allowed personal calls. I am reprimanded every time this happens.
Company Response: Closed
2016-04-28
Chicago, IL
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt was paid
Complaint: I revived a letter from : Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX, TX XXXX stating that I had a balance due to XXXX. This was news to me since I have n't had a XXXX XXXX account in 4 years.
I wrote a letter asking them to validate the debt with no response.
I then discovered they have reported me to XXXX credit reporting agencies and my scores have dropped XXXX-XXXX points.
I do n't know these people and I have since sent a second letter with no response.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed
2016-04-27
Houston, TX
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Complaint: I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.
Company Response: Closed
2016-04-24
Bronx, NY
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: XXXX alleged that I owe them {$76.00}. for a phone bill. That debt was passed on to a collection agency known as Southwest Credit Systems, L.P. located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Be advised that I was never in any phone contract with XXXX during the time period they alleged I owed them {$76.00}. Notably, neither XXXX nor Southwest Credit System ever notified me of this debt in writing or otherwise prior to its submission to the collection agency or to the credit bureau. In fact, I first discovered that I was in collection status while viewing my XXXX XXXX account. These facts withstanding, I wrote directly to Southwest on two occasions ( one letter returned as " returned to sender not deliverable as addressed '' ), and the second letter was confirmed as received due to return receipt requested. However, to date I have yet to hear from Southwest with respect to an explanation, or whether they contacted XXXX to have the collection removed from my credit report. I also disputed the collection online with XXXX on XXXX occasions to no avail. This was followed up with XXXX letters of dispute ( certified mail - return receipt requested ). The XXXX confirmation response letters that I received in regard to my XXXX letters to XXXX had absolutely nothing to do with the instant disputed XXXX collection. In fact, in XXXX replies XXXX provided confirmation in regard to an unrelated matter. Additionally, I tried contacting XXXX agencies via phone, but was not afforded an opportunity to speak with anyone. As a last resort I am formally requesting that the FDCPA take the necessary steps to have Southwest and/or XXXX have this erroneous collection debt removed from my XXXX credit report. That collection debt is damaging my credit report, and is currently hindering me from purchasing a vehicle.
Company Response: Closed
2016-04-23
Bethlehem, PA
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Company Response: Company can't verify or dispute the facts in the complaint Closed
2016-04-22
Hinsdale, IL
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt resulted from identity theft
Complaint: XXXX provided cable service to my sons address in XXXX. Whereas I live in XXXX. My son went online and used my personal information to obtain service without my approval.. XXXX failed to validate the online application and the identity ( ID ) for service. XXXX sent me to a collection agency SW Credit Systems L.P. for collection {$440.00} and reported the following on my personal credit profile. I filed and provided an Identity Theft Victims Complaint and Affidavit form and provided them proof on my residence in XXXX during the period and with XXXX additional forms ( bills ) to support my occupancy address. XXXX will not release the following ... I have my cell phone and cable service in XXXX with XXXX for the several years. They truly know I never obtained services.
Company Response: Company disputes the facts presented in the complaint Closed
2016-04-21
Fairbanks, AK
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed
2016-04-18
Boston, MA
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Complaint: I am receiving calls at my work phone # from Southwest Credit, for someone I do not know. The phone calls are all from Southwest Credit and are intended for someone else. However, I am not this person. I would like these phone calls to stop and I prefer not to have to spend a lot of my workday doing this. Currently I receive approximately XXXX calls per day.
Company Response: Closed
2016-04-16
New Orleans, LA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Complaint: I have the same name as my father, he had internet service with XXXX in 2013. He informed me he closed the account. This may have been a credit file mix up but i assure you this is not my debt. I recently discovered this earlier this week. I need this removed immediately because this is effecting my credit and I have nothing to do with this. It was falsely put onto my credit report and I had no idea.
Company Response: Company can't verify or dispute the facts in the complaint Closed
2016-04-16
Bloomington, MN
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Complaint: This company is attempting to collect a debt that is not mine. I also received no notification, either by phone or by mail, informing me of this supposed debt. I believe that they are violating my rights per FCRA by not taking these steps to honor my right to contest this collection.
Company Response: Closed
2016-04-16
Columbus, OH
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Complaint: SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from XXXX . I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX 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.PProvide 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed
2016-04-15
Brooklyn, NY
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Not given enough info to verify debt
Company Response: Closed
2016-04-14
Bettendorf, IA
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt is not mine
Company Response: Closed
2016-04-14
Oxford, GA
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt resulted from identity theft
Complaint: I explained to company and all XXXX Credit Agencies that this does n't belong to me. They refuse to move it or send me proof that I should pay it.
Company Response: Closed
2016-04-14
Sylvania Township, OH
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Right to dispute notice not received
Complaint: Debt collection agency SW CREDIT SYSTEMS, XXXX, TX placed negative information in my credit report that dropped my score XXXX points ( from XXXX to XXXX ). They did not leave a voicemail about the {$130.00} debt due to XXXX XXXX after a summer job last year in XXXX, WI. I had paid my bill by check so an address was available. They said they called, but never left a phone message. The name on the bill was incorrectly listed as XXXX XXXX, but somehow they were able to find my correct social security number and attach the debt collection to my credit report. This is UNETHICAL and should be unlawful. I paid the debt immediately upon notification it was due. I have stellar credit and I want it back. Now! The report indicates it will remain on my report until XXXX 2022. I have always had very favorable interest rates due to credit score. It seems incredulous a {$130.00} debt could negatively influence my ability to borrow for the next eight years. I would like the information removed so my score returns to a typical XXXX. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed
2016-04-13
Boston, MA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed
2016-04-13
MD
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt was paid
Complaint: I received a call from southwest credit system asking me to pay a debt owed to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. What I owed XXXX XXXX XXXX was paid in full on or about XXXX 2015. I have my bank statements to prove this. I have been getting calls from southwest credit systems in the morning, afternoon, evenings, midnights, and early mornings. After I told them not to call me because I do not owe XXXX XXXX XXXX, they still harass, threating me, insult me and keep calling from different numbers. They call from XXXX and XXXX. They even call me and ask for my name and when I respond and say this is he, they hang up. This has been causing me emotional pain and traumatizing me to the point that I want to hurt myself. The fact that I took the right step to pay my bill and stay current on my finances to include monitoring my credit on credit karma, this even is taunting me to the point that I can not handle it anymore. Please have the company stop calling and if they can prove, in conjunction with XXXX XXXX XXXX, they need to show proof that I owe them and I am also willing to show my proof that I paid in full from my bank statements.
Company Response: Closed
2016-04-11
Fort Worth, TX
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 included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed