Southwest Credit Systems, L.P

2016-02-23

OH

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I was contacted in XXXX by Southwest Credit Systems for a debt owed to XXXX XXXX XXXX. I finished paying the debt in XXXX of XXXX, and as of today XXXX XXXX XXXX has not received the payment from the third-party debt collectors, and Southwest Credit Systems claims they sent the money to XXXX XXXX XXXX. Neither company can tell me where the money is.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed

Disputed: No Timely Response

2016-02-23

NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: During the month of XXXX XXXX i purchased XXXX prepaid sim cads for XXXX telephone lines from XXXX. XXXX for me and other XXXX for my wife and XXXX daughters who was supposed to come to USA in XXXX XXXX. Since only my wife and XXXX daughter came Subsequently I spoke to XXXX and got XXXX line cancelled. Since i found the XXXX was very expensive in month of XXXX I spoke to XXXX and got other XXXX lines also cancelled .Their after in XXXX of XXXX XXXX i received the final bill from XXXX. Before I make the final payment of {$60.00} I contacted XXXX and inquire about the final bill ask is their any money that that I owe to XXXX the representative confirmed that {$60.00} is only amount due. I made this Inquired in the past too some years before I had same type of claim of claim from XXXX which I paid in vain.I paid the final bill by cheque and sent under certified mail.The final payment cheque has been realized from my bank a/c Their after later part of the year the XXXX credit reporting company inform me that my personal information provided to XXXX has been hacked. In XXXX XXXX XXXX i received a bill from XXXX for an {$240.00} as amount due to them. I immediately contacted XXXX and informd the hall story. The Representative confirm that its a hacking story story is true and its frodulant matter and she will forwrad case to the special comeete set up for and that they will contact me. Since they did not contacted me I contacted XXXX XXXX dyes XXXX XXXX and XXXX/XXXX/XXXX both days they informed me that they will contact me but they never. XXXX/XXXX/XXXX I received a letter from collecting XXXX named south west credit demanding me to pay & XXXX.I contacted XXXX again on XXXX/XXXX/XXXX they said that they need to open my a/c wanted my pin no. Which i could not remember, They said they will send me a temporary pin still I have not received yet. The collecting ajancey contacted me several times and demanding the payments.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-02-23

Euclid, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received correspondence by a debt collector to collect a debt that is not mine.
Company Response: Closed

Disputed: No Timely Response

2016-02-22

Albuquerque, NM

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Southwest Credit Systems, L.P. issued XXXX separate collections accounts for the same {$190.00} dollar debt from XXXX, and both these accounts, despite representing the same collection, appear on my credit report. This money was not owed originally, as I have the receipt to prove I sent in my modem etc. I was not contacted to dispute the debt and show my proof of not owing the money. I contacted Southwest Credit Systems directly via certified postal mail to ask for verification of debt and to clear up the XXXX accounts that they have listed on my report. It has been 30 days and I have not received this information from them nor has the duplicate collection been removed from XXXX or XXXX.
Company Response: Company disputes the facts presented in the complaint Closed

Disputed: No Timely Response

2016-02-21

Cheverly, MD

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I recently filed a complaint ( # XXXX ) with your company against Southwest Credit Systems , L.P., located at XXXX XXXX XXXX, XXXX . XXXX, XXXX, XXXX XXXX about a debt I do not owe. In response, " SWC state on XXXX XXXX, XXXX, XXXX contracted with SWC to collect the unpaid amount of {$490.00} on account XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. According to XXXX, the account became delinquent XXXX XXXX ''. I recently reviewed my credit report with XXXX dated XXXX XXXX, XXXX, and reflecting is a collection account in the amount of {$490.00} that was assigned on XXXX and reported to the CRA 's on XXXX by XXXX XXXX, located at XXXX XXXX XXXX XXXX, TX XXXX. This account was eventually removed from my credit report after informing them that I do not owe the alleged debt. Although, Southwest Credit Systems L.P. state on XXXX XXXX, XXXX, XXXX contracted with them to collect on the alleged debt. I believe they uttered untruth knowingly and they are XXXX XXXX, and was assigned the account before XXXX XXXX, XXXX removed it and put it back on my credit report under a different name.
Company Response: Closed

Disputed: Yes Timely Response

2016-02-20

Cheverly, MD

False statements or representation

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

Attempted to collect wrong amount
Complaint: SWC Systems state that I owe their client XXXX {$490.00}. Instead, they 've reported an amount of {$490.00} to the CRA 's, which means they 've misstated the balance due and trying to collect more than the alleged amount. This is a FCRA and FDCPA violation. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: Yes Timely Response

2016-02-18

Huntingtn Bch, 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

2016-02-16

Wrentham, MA

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

2016-02-15

MD

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: XX/XX/XXXX I was informed that I owed a balance of {$150.00} to Southwest Credit Systems L.P. in regards to a debt owed to XXXX XXXX. I had closed the account with XXXX XX/XX/XXXX with all balances paid. I requested that Southwest and XXXX provide verification of the debt and any fees added to the balance, but both companies have failed to respond in a timely manner. I submitted my first request for verification XX/XX/XXXX with follow-up letters XX/XX/XXXX and XX/XX/XXXX. I spoke to a XXXX agent via online chat and they informed me that I owed the debt, but could not provide verification of the debt.
Company Response: Closed

Disputed: No Untimely Response

2016-02-15

Naples, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Called regarding a cable bill for a location I have never lived with a company I have never had an account with and wo n't stop calling. They are robo-dial calls, so generally there is no one on the other end. I have disputed the claim and left XXXX messages for their dispute department.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Untimely Response

2016-02-15

Key Biscayne, FL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I think someone in family used my identity to create this false account.. I have no knowledge of this account and, or agreement..
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Untimely Response

2016-02-12

Wonder Lake, IL

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Recently, from my credit report, I noticed that a company call " SouthWest Credit System '' reported a collection account to the XXXX credit agencies. I do n't think that I had ever received any written notice from this company about the collection account, neither any notice of right to dispute this account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: Yes Untimely Response

2016-02-12

KS

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I recently received a statement from Southwest Credit for an amount due of {$150.00}. The day after I received the letter, I sent them a letter stating that I dispute the validity of the debt in its entirety. I asked that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Company Response: Closed

Disputed: No Untimely Response

2016-02-10

Sebring, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX, TX.
Company Response: Company believes the complaint is the result of a misunderstanding Closed

Disputed: No Timely Response

2016-02-09

Longview, WA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company can't verify or dispute the facts in the complaint Closed

Disputed: No Untimely Response

2016-02-09

Glen Burnie, MD

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Company disputes the facts presented in the complaint Closed

Disputed: Yes Untimely Response

2016-02-08

Kingsland, GA

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

2016-02-07

Arlington, VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX erroneously submitted my account to a collections company ( Southwest Credit Systems ) about an amount that I did not owe ( i.e., unreturned equipment and early termination fee for home security ). I returned the equipment and did n't terminate my home security contract as I transferred service due to moving. This is all well documented. Southwest Credit Systems called me several times, including at work and I asked them to stop. In addition, I told them that I was disputing the charges. They indicated that they were looking into it. Well, they are still persisting in trying to collect for an amount that I do not owe via letter after I told them that this was in error.
Company Response: Company chooses not to provide a public response Closed

Disputed: No Untimely Response

2016-02-06

TX

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: This collection agency has no surety bond in the state of Texas.They are illegally attempting to collect from me.They refused to take it off my credit report.Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402-.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice. Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. If you notify the secretary of state, this office will notify the third-party debt collector or credit bureau of the bond filing requirement and, if necessary, refer the matter to the attorney general for investigation. Please report the names of any third-party debt collectors and credit bureaus that do not have bonds on file to : Registrations Unit Statutory Documents Section Office of the Secretary of State XXXX XXXX. XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX I have filed a report.I hope you will take action.Thank you
Company Response: Company disputes the facts presented in the complaint Closed

Disputed: Yes Untimely Response

2016-02-05

Hinkley, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: SW CRDT SYS is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for XXXX. While the account was in good standing I stopped this service. That was over 9 years ago. I had never hear from SW CRDT SYS so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.
Company Response: Closed

Disputed: No Untimely Response

2016-02-01

Natrona Hts, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company chooses not to provide a public response Closed

Disputed: No Untimely Response

2016-01-28

Elkridge, MD

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed

Disputed: No Untimely Response

2016-01-28

Tujunga, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed

Disputed: No Untimely Response

2016-01-28

NY

Communication tactics

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

Frequent or repeated calls
Complaint: I lost my job and fell behind on my cable bill, I owe {$120.00}. XXXX XXXX sent the bill to collections and ever since I have received calls daily, at times 3-5 times a day. I told the XXXX collectors that I JUST started a new job and that as soon as I have enough money I will pay them, the calls then slowed to 1 call every other day. Now I am receiving the calls from a XXXX NY number for the same bill and I told then the same thing, I will pay the debt as soon as I have the money but they continue to persistently and annoyingly call. I work vigorously long hours at a physically demanding job and I 've been woken up by then calling at XXXX several times now and they will not leave me alone.
Company Response: Closed

Disputed: No Untimely Response

2016-01-25

Bristol, CA

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