Southwest Credit Systems, L.P

2015-04-27

Sacramento, CA

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-04-26

NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was discharged in bankruptcy
Complaint: Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number.
Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-24

Occoquan, VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This number, XXXX, keeps calling my husband without leaving a message. They claim to be looking for me. They said they were Southwest Capital calling about a debt but provided no other information. If you call the number it is an automated voice, and the only option is to give them your credit card to pay a debt. I checked my credit and am very aware of my financial statuses, I do not have any debt outside of my known loans.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Hoffman Est, IL

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company believes complaint is the result of an isolated error Closed

Disputed: No Timely Response

2015-04-21

Folsom, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX XXXX, 2015 I received a XXXX page document from Southwest Credit Systems, L.P. stating that a delinquent account they claim is allegedly mine in the amount of {$310.00} for an apparent XXXX XXXX XXXX cell phone bill. On XXXX XXXX, 2015 I spoke with a representative who went by the name of XXXX. I requested for XXXX to re-verify the account was in deed mine. He claimed that his firm had already validated the debt by using my address. I attempted to explain to him and disputed the debt was not mine. I also requested he cross reference my social security number, middle initial, any previous addresses and the phone number that is in question. He stated that his firm had already done so. He then suggested to transfer me to the customer care dept. Immediately after the transfer I was disconnected. I believe that at the date and time of this call that the account was disputed. After several days of not hearing back from anyone associated with Southwest Credit Systems , L.P . I sent a letter disputing the same and included any and all information required to verify this account. On XXXX XXXX, 2015 I called back to Southwest Credit Systems. I spoke to a supervisor by the name of XXXX. She confirmed to me that the firm had indeed received my letter, however the account was still confirmed as mine. I explained to XXXX this call was an attempt to resolve the matter before the 30 day period of notice ends on XXXX XXXX 2015. I explained that I would seek to remedy this matter with legal action. After attempting to request for her to verify the debt as legitimate. She claimed the debt had in fact been verified. I called back approx. ( 1 ) hour later and spoke to a XXXX in the customer care dept. After not being able to get anything resolved and talking over each other I asked to speak to a supervisor. After a brief hold XXXX returned to the call and stated, " they said to take your number and someone would call you back. I question that comment due to the fact that all incoming calls and phone numbers are identified. With no other course of action I ended the call. This company filed the collection account to all three major credit reporting agencies on or before the XXXX of XXXX. Without making any attempts to contact me to verify the account. They have stated on more than several occasions and from different representatives that the account had been verified as belonging to me. Southwest Credit Systems has also failed to submit to my request for information documented in the XXXX XXXX letter ( see attached ). In addition they have violated the FDCPA statue [ 15 USC 1692e ] section ( 2 ) ( a ) and ( b ). Southwest Credit System failed to do due diligence in investigating and confirming the account was in deed mine and only used my personal home address in their verification process.
Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-21

Brooklyn, NY

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I 'm victim of identity teiff and I reach out to this company but they still want me to pay for it.
Company Response: Company disputes the facts presented in the complaint Closed

Disputed: Yes Timely Response

2015-04-20

UT

Taking/threatening an illegal action

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

Sued where didn't live/sign for debt
Complaint: I switched phone carriers in XXXX. In the process I called in and was given a final bill amount that included paying out my contract. I paid that amount. Several months later I received correspondence from southwest Credit saying I had a XXXX Bill in collections. At XXXX point on the phone Southwest Credit while trying to verify my address, had a transposed house number ( fyi ). I never received a paper or email bill from XXXX, and had paid a hefty amount to close out the account, and so I told them I would have to verify with XXXX if it was legitimate. I attemtpted to contact verizon via phone and also tried to log into my account on line. Since I moved my phone number, ( the log in for XXXX ) it made my online account inactive, and I could not verify via phone that it was a legitimate bill. I chose to terminate early with XXXX, and I knew it would cost me, for which I paid. If it is a legitimate verizon bill, I will pay the amount, but do n't think it is fair to be dinged on my credit, as they failed to send a paper bill or even an email saying I owed additional money. I have n't just paid the credit collection company because I have been unable to prove I even owe the bill, other then them telling me I do. They are now threatening legal action.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-16

Alachua, FL

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

2015-04-16

Chester, NY

False statements or representation

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

Attempted to collect wrong amount
Complaint: Someone opened a comcast cable bill in my name. They some how got a hold of my social sersurity number and there are asking for {$1000.00} in false debt charges.!! Southwest Credit Collection in XXXX XXXX .is at XXXX Spoke with " supervisor : XXXX XXXX, and Ijust get transferred to a " voice mail acconut and know one retiuns my call?? ( XXXX }, has then listed as being " OUT OF BUSINESS ''. GOTO THIS SITE FOR MORE INFO XXXX ( cut and paste into search ) XXXX Support number is : XXXX. In order to get a copy of the false contact I would have to go to " XXXX XXXX XXXX " to pick one up? That would take my hours at a cost of around {$40.00}. My XXXX Bank Statement has ne " using my debit card three ( 3 ) times, on the date this Account was opened.Hmm ... .Can not be at XXXX place at once!!! Please " publish this, for the public to read. '' Copies XXXX b mailed out.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-15

CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: Southwest Credit Systems refused to remove identity theft item after both a police and ftc report where made regarding the alleged debt. Companies like this should be more regulated. Changing get dates and account numbers for the debt as they snap their nose at anyone who tries to regulate them
Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-04-15

TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: southwest credit system LPDescription of Complaint : Although this account was in dispute I made an attempt to pay the original lender and have this account removed from my credit report, they referred me back to the collection agency and said its up to them. After contacting Southwest credit sys a collection agency that report to all credit angency. I was told by XXXX XXXX XXXX and other employees of Southweast credit sys that they could not delete this account from my credit report because of company policy and federal laws although I paid the account in full on XX/XX/2015. I have disputed this account from the very beginning and I have not yet as of today received a certified letter from either company concerning this account. I do n't believe what their saying is true. In dealing with another collection angency they had no problems deleting the account after receiving a letter from me requesting it. Mine you both companies are dealing with me in the state of Texas. I 'm looking for help in this situation please. I feel this type of practice is unfair to the consumers. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-14

Bremen, GA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I received a call from Southwest Credit Systems about a XXXX debt in the amount of {$1800.00} that some XXXX opened in my name in XXXX, PA. and said that I owe.I told them I never lived at that address in PA. and I did not give any XXXX my permission to use my SSN to open an account.They mailed me a id theft form which took two weeks to receive.I filled the form out and sent the information requested and I mailed it back to them Priority Mail with signature required.I received a letter today from the debt collector wanting me to send more information.They have all the information that I have.
Company Response: Closed

Disputed: No Timely Response

2015-04-10

Bayonne, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed

Disputed: No Timely Response

2015-04-08

Euless, TX

Communication tactics

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

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-03

La Jolla, CA

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

2015-04-03

Bee Spring, 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 Timely Response

2015-04-03

East Windsor, NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: My complaint is with XXXX XXXX service. I was under contract with them to pay {$120.00} per month for bundled service ( TV, internet, phone ) through XXXX/XXXX/15. This past XXXX, XXXX changed their billing system and, because of a " glitch '' in the new system, I began to be charged {$210.00} per month. I have made repeated attempts to resolve this issue by phone ( over XXXX hours on the phone ) and in person but have not been able to get it resolved. I grew so frustrated that I cancelled the service and tried to calculate what I thought I should pay. I forgot that the monthly bill is paid in advance so I actually have overpaid XXXX by more than {$100.00}. However, because of the billing system problem, XXXX continues to send me a bill for {$25.00} and just sent this amount to a collection agency. I have continued to call XXXX to resolve this issue ( ticket # is XXXX ) and been told several times that a supervisor will fix the issue and/or call me but none of their promises have been kept. Meanwhile, my credit will be affected by this since the bill is now in collection.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-02

Springfield, MO

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

2015-04-02

Camden, NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2015-04-02

Cheverly, MD

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I closed this account in XX/XX/XXXX/XX/XX/2014 and established service with another carrier. XXXX XXXX XXXX continued to charge/bill me for services, I had closed/canceled. I 've called and wrote letters to resolve this issue with no avail. I mailed a check showing where account was paid in full. XXXX XXXX XXXX never responded to my letters disputing these charge.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-31

KS

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Debt was paid to SW Credit Systems, for a XXXX bill. SW Credit systems was called and I was told that XXXX would have to remove the debt from my credit report. I then called XXXX and was told that SW Credit Systems should have removed the collection off my credit report beings they were paid. The collection shows it is still under SW CREDIT SYSTEMS as XXXX XXXX XXXX as the creditor.
Company Response: Closed

Disputed: No Timely Response

2015-03-30

CT

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: SOUTHWEST CREDIT SYSTEMS LP has issued a collections to all XXXX credit reporting agencies. I called and when I called they said it was a bill from XXXX XXXX XXXX - this is not possible as I have been a XXXX year client of XXXX XXXX XXXX in good standing. When I asked for more specific information I was passed to XXXX different people - all of whom said it was a XXXX XXXX XXXX bill. When I had said this was not possible and they needed to remove it from my credit report I was told " We understand, but we ca n't do that '' - I insisted they could. I was passed up the food chain and was told the same thing - on the XXXX person I was then told that this was not a XXXX bill, but rather a XXXX bill from over XXXX years ago. I left XXXX years and years and years ago and said I had no bill and could they show me the bill and why were they saying XXXX XXXX XXXX? I then was told that this was fraud and they would sent a packet in the mail - the packet insist I file a police report and supply a substantial amount of documentation. This is all very much not above board - I was given wrong information, given improper information on my rights, they do n't have a bill - How can I file a police report from a bill from over 5 years ago of which no one can get me a copy of said bill? Also, no answer has been given about the XXXX XXXX XXXX bill which is what XXXX of their agents told me prior - lastly, saying " we ca n't do anything on the credit report '' - when they issued it, do n't know what outstanding bill there may or may not be - is very troubling. Only because I knew my rights was this issue escalated and even now - they have no bill and no information.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-03-30

Goldsboro, NC

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

2015-03-28

Arvada, CO

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies.
Company Response: Company chooses not to provide a public response Closed

Disputed: No Timely Response

2015-03-26

Phila, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed

Disputed: Yes Timely Response