Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This collection made by Southwest Credit Systems LP is falsely added to my report. I have informed Southwest Credit System Lp that the details are incorrect and the account does not belong to me. The debt is not mine and the account does not belong to me.

  Customer Answer

  Date: 02/17/2025

  The attachment is the collection reported to my credit and has not been removed. This account does not belong to me but it is on my credit report. 

  Business Response

  Date: 02/20/2025

  Complaint Number:              22950674
  Consumer Name:                 ****** *****
  Response Date:                   February 20, 2025
  
  
  Southwest Credit Systems, L.P. ("SWC") is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously and is grateful for the opportunity to respond.
  
  On April 5, 2022, ******* placed in our office for collections an unpaid balance of $413.42 owed by ****** *****, ************, **. According to *******, the account became delinquent in January 2020. This account belongs to ******* and SWC was contracted to collect.
  
  On April 7, 2022, SWC sent Ms. ***** correspondence notifying her that the account was placed in our office for collections. On June 9, 2022, SWC sent Ms. ***** additional information regarding the complaint. Copies of the letters are included with this response.
  
  Prior to Ms. ***** complaint, SWC did not receive a written dispute or validation request for the account. ******************** forwarded the complaint to ******* for further review and account validation. ******* provided SWC with billing statements which state the name and address of the original creditor, as well as the service address, dates, and charges. The information provided is sufficient for verification of the debt. The bill copies are also attached with this response.
  
  According to *******, the debt is valid and was properly placed in collections.
  
  Ms.***** may submit a written dispute and supporting documentation to SWC, and that information will be forwarded to ******* for further investigation. She may email the dispute to ********************************** or mail to **********************************
  
  If Ms. ***** believes the account is a result of fraud/identity theft, she may contact *******s fraud department directly at ************** or visit ************************************** to complete the fraud process. A fraud claim may be required for proper resolution.
  
  SWC will continue to work with Ms. ***** to resolve the matter. SWC has placed the account on administrative hold pending fraud review.
  
  If Ms. ***** or the Bureau has any further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *.*******
  Compliance Department
  Southwest Credit Systems, L.P. 

  Customer Answer

  Date: 02/20/2025

  I am rejecting this response because: This account was created by someone else who stole my information. This account does not belong to me.

  Business Response

  Date: 02/21/2025

  Complaint Number:              22950674
  Consumer Name:                 ****** *****
  Response Date:                   February 21, 2025
  
  
  Southwest Credit Systems, L.P. ("SWC") is in receipt of Ms. ***** rebuttal and is grateful for the opportunity to respond.
  
  Comcast provided SWC with billing statements which state the name and address of the original creditor, as well as the service address, dates,and charges. The information provided is sufficient for verification of the debt.
  
  According to *******, the debt is valid and was properly placed in collections.
  
  If Ms. ***** believes the account is a result of fraud/identity theft, ******* advises that a fraud claim is submitted for proper resolution. Ms. ***** may contact Comcasts fraud department directly at ************** or visit ************************************** to complete the fraud process.
  
  SWC regrets any discontent the issue may have caused and will continue to work with Ms. ***** to resolve the matter. SWC has placed the account on administrative hold pending fraud review.
  
  If Ms. ***** or the Bureau has any further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *.*******
  Compliance Department
  Southwest Credit Systems, L.P. 

• Initial Complaint

  Date:02/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently became aware that your agency has reported a collection account to my ********************** report, yet I have never received any prior notice of this alleged debt as required under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g(a). According to the *****, I have the right to receive written notice within five days of your initial communication, outlining details of the debt, including the original creditors name, the amount owed, and my rights to dispute the debt.Since I never received such notice, I am formally disputing the validity of this debt and requesting immediate validation. Please provide the following:1.A detailed itemization of the debt, including principal, interest, and any fees applied.2.The name and address of the original creditor, as well as the original account ************** that I am legally responsible for the debt, including a copy of any agreement or contract bearing my signature.4.Documentation proving that your agency has the authority to collect this debt.5.Evidence of compliance with FDCPA requirements, specifically the initial written notice of the debt.Until you provide the requested validation, I request that all collection activity, including reporting to credit bureaus, cease immediately. If you cannot validate this debt, I expect it to be removed from my credit report and that I receive written confirmation of its deletion.Please consider this letter a formal dispute of the account. Additionally, I request that all further communication be conducted in writing.Thank you for your prompt attention to this matter.

  Customer Answer

  Date: 02/17/2025

  I never received anything verifying the debt  or any notice of the debt, which is what I am asking for now. 

  Business Response

  Date: 02/27/2025

  Complaint Number:              22949019
  Consumer Name:                 ******* ***********
  Response Date:                   February 27, 2025
  
  
  Southwest Credit Systems, L.P. ("SWC") is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously and is grateful for the opportunity to respond.
  
  On December 5, 2024, ComEd placed in our office for collections an unpaid balance of $125.26 owed by ******* ***********, *******, **. According to *****, the account became delinquent in August 2023. This account belongs to ComEd and SWC was contracted to collect.
  
  On December 20, 2024, SWC sent Ms. *********** correspondence notifying her that the account was placed in our office for collections. A copy of the letter is included with this response.
  
  Upon receipt of Ms. ************ complaint, SWC forwarded it to ***** and requested further review and account validation. ***** provided SWC with a billing statement which was mailed to Ms. *********** on February 25, 2025. The bill copy states the name and address of the original creditor, as well as the service address, dates, and charges. The information provided is sufficient for verification of the debt. SWC is not obligated to produce a signed agreement as the consumer is not always required to sign one to obtain services. The bill copy is attached with this response.
  
  According to *****, the debt is valid and was properly placed in collections.
  
  Ms.*********** *** submit a written dispute and supporting documentation to SWC,and that information will be forwarded to ComEd for further investigation. She may email the dispute to ********************************** or mail to **********************************
  
  SWC will continue to work with Ms. *********** to resolve the matter.
  
  SWC is fully registered, licensed, and bonded in all 50 states, as required. 
  
  If Ms. *********** or the Bureau has any further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *.*******
  Compliance Department
  Southwest Credit Systems, L.P. 

• Initial Complaint

  Date:02/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i am not reliably for the debt with Southwest Credit Systems . I do not have contract with them. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 02/17/2025

  they constantly keep calling but no proof of debt is ever sent over. this does not belong to me.

  Business Response

  Date: 02/20/2025

  Complaint Number:    22944873
  Consumer Name:      ******* *******
  Response Date:        February 20, 2025
  
  
  Southwest Credit Systems, L.P.("SWC") is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously and is grateful for the opportunity to respond.
  
  On August 10, 2024, T-Mobile placed in our office for collections an unpaid balance of $1,154.46 owed by ******* *******,Silver Spring, MD. According to T-Mobile, the account became delinquent in November 2021. This account belongs to T-Mobile and SWC was contracted to collect.
  
  On September 21, 2024, SWC sent Ms. ******* correspondence notifying her that the account was placed in our office for collections. A copy of the letter is included with this response.
  
  Prior to Ms. ******** complaint, SWC did not receive a written dispute or Validation request for the account. ******************** forwarded the complaint to ******** and requested further review and account validation.T-Mobile provided SWC with billing statements which were mailed to Ms. ******* on February 18, 2025. The bill copies state the name and address of the original creditor, as well as the service address, dates, and charges. The information provided is sufficient for verification of the debt. SWC is not obligated to produce a signed agreement as the consumer is not always required to sign one to obtain services. The bill copies are also attached with this response.
  
  T-Mobile also provided SWC with the following account information and response:
  
  Account start date -12/14/2020
  Account End Date -12/08/2021
  Cancelation Reason -Port out
  Research & resolution -Account started as postpaid Individual-Regular as billing person name ******* *******. Original billing responsible party responsible for charges billed on account. Equipment billed on account. Advised T-Mobile does not currently have a reporting relationship with the credit bureaus, Customer is to contact the bureaus directly with their credit related dispute. 
  Last payment date -11/06/2021
  Last payment amount -$150.98
  Breakdown of Balance -
  Current Account Balance -$1,154.46
  Statement Date -10/15/2021 to 12/15/2021
  Charges -Service$256.88, late fee$18.99, Assurant$72.00, equipment$719.62
  OCA Fee -$86.97
  Debt validation -Service charges are valid for the service rendered.  Late fee is for late payments. Equipment charges are valid for the pending Equipment Installment plan due.  Assurant charges are valid for insurance warranty and mobile security. 
  

  According to T-Mobile the debt is valid and was properly placed in collections.
  

  Ms. ******* may submit a written dispute and supporting documentation to SWC, and that information will be forwarded to T-Mobile for further investigation. She may email the dispute to ********************************** or mail to **********************************
  
  SWC will continue to work with Ms. ******* to resolve the matter.
  
  If Ms. ******* or the Bureau has further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *. *******
  Compliance Department
  Southwest Credit Systems, L.P. 

• Initial Complaint

  Date:02/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally request debt validation in accordance with my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g. I recently received a communication regarding an alleged debt, and before I take any action, I need verification that you have the legal right to collect on this ******* properly validate this debt, I am requesting the following information:1. Proof that I owe the debt, including a signed agreement or contract that legally establishes my obligation to pay.2. A full itemized accounting of the alleged debt, including the principal, interest, fees, and any other charges.3. A copy of the original creditors agreement, stating that they have the right to assign or sell this debt to a third party.4. The complete chain of assignment contracts, including all sale or transfer agreements, showing a clear history from the original creditor to your agency.5. Your agencys authority to collect, including any relevant licenses and proof that you are legally permitted to collect in my state.Until I receive this information, I do not acknowledge any obligation to this debt, nor will I make any payments. Additionally, I request that all further communication be in writing only.If you cannot provide the requested documentation, I request that you cease all collection efforts and remove any negative information reported to credit bureaus regarding this alleged debt.Please consider this letter a formal dispute of the debt and a request for validation. I expect your written response within 30 days of your receipt of this letter, as required by law. Sincerely

  Customer Answer

  Date: 02/17/2025

  Im looking for the chain of assignment contracts proving that they have the right to collect this debt and also providing the documentation to support their claim that the debt is mine 

  Customer Answer

  Date: 02/17/2025

  This is their communication stating I own this debt 

  Business Response

  Date: 02/20/2025

  Complaint Number:    22943914
  Consumer Name:      Taitierra Rice
  Response Date:        February 20, 2025
  
  
  Southwest Credit Systems, L.P.("SWC") is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously and is grateful for the opportunity to respond.
  
  On October 3, 2024, T-Mobile placed in our office for collections an unpaid balance of $1,156.94 owed by Taitierra ****,*********, **. According to T-Mobile, the account became delinquent in October 2020. This account belongs to T-Mobile and SWC was contracted to collect.
  
  Upon receipt of Ms. ***** complaint, SWC forwarded it to T-Mobile and requested further review and account validation.T-Mobile provided SWC with billing statements which were mailed to Ms. **** on February 19, 2025. The bill copies state the name and address of the original creditor, as well as the service address, dates, and charges. The information provided is sufficient for verification of the debt. SWC is not obligated to produce a signed agreement as the consumer is not always required to sign one to obtain services. The bill copies are also attached with this response.
  
  T-Mobile also provided SWC with the following account information and response:
  
  Account start date -   09/17/2019
  Account End Date - 12/28/2020
  bill date -   19,
  Research & resolution - Advice, account original ************************ is T-Mobile however,account is assigned to collection agency. Account type is Individual-Regular as postpaid activated and BRP's name is TAITIERRA *. ****. Found usage till bill date 11/19/2020. Last payment on 10/20/2020 of $61.75 which was posted against past due balances, still account left with remaining balance is valid. Final lease (equipment) charges on account and we have reviewed Device return tool equipment not returned. Charges are valid on account. *** does not send any document to customer address directly need to contact Point of sale.Advice, TMO does not have direct relationship with credit bureaus. Customer need to contact them directly for credit related queries or issues. Customer has requested no further contact. I've updated the account as cease & desist notified the agency to close and return the file to T-Mobile. Balance on account is directly payable to TMO.
  Breakdown of Balance -
  Current Account Balance - $1,156.94
  Statement Date - 09/19/2020 to 01/19/2021
  Charges - service $157.21, late fee $42.63, lease $373.87, assurant $57.93, HPPLEASE $85.57,HPP OTHR $10.00, HPP SVC $429.73
  OCA Fee - NA
  Debt validation - Service charges are valid for service rendered.  Late fee is incurred for late payments and one-time charges to restore sub from **************** charges are valid due to lease equipment payment due.   Assurant charges are valid for insurance warranty and mobile security.
  

  According to T-Mobile the debt is valid and was properly placed in collections.
  

  On February 20, 2025, SWC closed Ms. ***** account in our office. SWC is no longer pursuing the matter and ceased collections activity. If Ms. **** has subsequent concerns regarding the account, she may contact T-Mobile directly.
  
  SWC is fully registered, licensed, and bonded in all 50 states,as required. 
  
  If Ms. **** or the Bureau has further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *. *******
  Compliance Department
  Southwest Credit Systems, L.P. 

• Initial Complaint

  Date:02/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Southwest Credit Systems. I do not have a contract with this company. They did not provide me with a contract as I requested.

  Customer Answer

  Date: 02/14/2025

  I have not received any type of document regarding this collection. I havent signed any type of contract with this company.

  Business Response

  Date: 02/26/2025

  Complaint Number:    22936345
  Consumer Name:      Joesly ********
  Response Date:        February 26, 2025
  
  
  Southwest Credit Systems, L.P.("SWC") is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously and is grateful for the opportunity to respond.
  
  On October 30, 2024, T-Mobile placed in our office for collections an unpaid balance of $943.91 owed by Joesly ********,*********, **. According to T-Mobile, the account became delinquent in December 2020. This account belongs to T-Mobile and SWC was contracted to collect.
  
  On November 2, 2024, SWC sent Mr. ******** correspondence notifying him that the account was placed in our office for collections. A copy of the letter is included with this response.
  
  Prior to Mr. ********* complaint, SWC did not receive a written dispute or validation request for the account. ******************** forwarded the complaint to T-Mobile and requested further review and account validation.T-Mobile provided SWC with billing statements which state the name and address of the original creditor, as well as the service address, dates, and charges. The information provided is sufficient for verification of the debt. The bill copies are attached with this response.
  
  T-Mobile also provided SWC with the following account information and response:
  
  Account start date - 12/27/2019
  Account End Date 03/10/2021
  Cancelation Reason Non-payment
  Research & resolution Account is activated as Individual-Regular postpaid account with billing person name JOESLY ********.Original billing responsible person is responsible for the charges billed on account. We found significant usage on account till date 01/12/2021. We can see that customer made payment on account of $190.00 on dated 11/19/2020 which got posted past due balance. We can see customer ported two lines on dated 12/07/2020 after port out two remains line was active on account, which is cancelled as non-payment on dated 03/10/2021 however, after port out found usage on account. Equipment charge billed on account. We are unable to check this equipment is returned or not due to unavailability of equipment information. Charges billed on account are valid. For credit report T-Mobile does not currently have a reporting relationship with the credit bureaus,Customer is to contact the bureaus directly with their credit related dispute.
  Last payment date 11/19/2020
  Last payment amount $190.00
  Breakdown of Balance - 
  Current Account Balance - $943.91
  Statement Date - 11/30/2020 to 03/30/2021
  Charges Equipment($420.00), Service($383.00),Late fee($36.13).
  OCA Fee - $104.78
  Debt validation Equipment charges are valid for the pending equipment installment plan due. Service charges are valid for service rendered. Late fee is for late payments.
  According to T-Mobile the debt is valid and was properly placed in collections.
  

  Mr. ******** may submit a written dispute and supporting documentation to SWC, and that information will be forwarded to T-Mobile for further investigation. He may email the dispute to ********************************** or mail to **********************************
  
  SWC will continue to work with Mr. ******** to resolve the matter.
  
  If Mr. ******** or the Bureau has further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *. *******
  Compliance Department
  Southwest Credit Systems, L.P. 

• Initial Complaint

  Date:02/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ******************** - ******** - $403 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 02/25/2025

  Complaint Number:              22936019
  Consumer Name:                 ****** ******
  Response Date:                   February 25, 2025
  
  
  Southwest Credit Systems, L.P. ("SWC") is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously and is grateful for the opportunity to respond.
  
  On August 18, 2022, AAA placed in our office for collections an unpaid balance of $403.00 owed by ****** ******, **********, **. According to ***, the account became delinquent in October 2021. This account belongs to AAA and SWC was contracted to collect.
  
  Upon receipt of Mr. ****** complaint, SWC forwarded it to *** and requested further review and account validation. AAA provided SWC with supporting documentation which states the name and address of the original creditor, as well as the service address, dates, and charges. The information provided is sufficient for verification of the debt and is included with this response.
  
  AAA also provided SWC with the following response:
  
  Premier members are entitled to one (1) long-distance tow (beyond 100 miles) per household per membership term. A total of two (2) long-distance tows were used during the term. Therefore, there is a charge for the miles beyond 100 on the 2nd long-distance tow.
  
  According to AAA, the debt is valid and was properly placed in collections.
  
  Mr.****** may submit a written dispute and supporting documentation to SWC, and that information will be forwarded to *** for further investigation. He may email the dispute to ********************************** or mail to **********************************
  
  SWC will continue to work with Mr. ****** to resolve the matter. 
  
  If Mr. ****** or the Bureau has any further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *.*******
  Compliance Department
  Southwest Credit Systems, L.P.
  

• Initial Complaint

  Date:02/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ******** I do not have a contract with SOUTHWEST CREDIT SYSTEMS, LP they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 02/10/2025

  
  
  ******* ******* ********* ******
  ********************
  ***********************
  *************************************
  ************
  02/10/2025
  Better Business Bureau Dispute Resolution Department 
  
  
  To Whom It May Concern
  
  
  Lack of Received Correspondence from SOUTHWEST CREDIT SYSTEMS  Regarding Debt Validation
  Dear BBB Representative,
  I am writing in response to your request for the correspondence (documents, emails, or texts) sent directly from SOUTHWEST CREDIT SYSTEMS  regarding the validation of the debt associated with account number ********* as shown on my ********************** report.  After conducting a thorough search of my email inbox, postal mail, and text messages, I have not received any such communications from SOUTHWEST CREDIT SYSTEMS.
  To date, I have not received:
  Any emails or electronic communications regarding debt validation.
  Any physical mail or letters providing documentation or proof of the debt.
  Any text messages pertaining to the validation of the debt.
  As a result, I am unable to provide any documents that satisfy your request. I have maintained records of all my communications and correspondence channels, and unfortunately, there is no record of receiving any debt validation correspondence from SOUTHWEST CREDIT SYSTEMS.
  If you require any additional information or clarification regarding this matter, please do not hesitate to contact me at ************ or via email at *************************************  I appreciate your assistance in resolving this issue.
  Thank you for your time and understanding.
  Sincerely,
  ******* ******* ********* ******
  
  
  

  Business Response

  Date: 02/20/2025

  Complaint Number:              22923119
  Consumer Name:                 ******* *********
  Response Date:                   February 20, 2025
  
  
  Southwest Credit Systems, L.P. ("SWC") is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously and is grateful for the opportunity to respond.
  
  On May 24, 2024, ******* placed in our office for collections an unpaid balance of $172.33 owed by ******* *********, *********, **. According to *******, the account became delinquent in May 2022. This account belongs to ******* and SWC was contracted to collect.
  
  On August 7, 2024, SWC sent Mr. ********* correspondence notifying him that the account was placed in our office for collections. The information was sent to Mr. ********** email address listed in the complaint. A copy of the letter is included with this response.
  
  Prior to Mr. ********** complaint, SWC did not receive a written dispute or validation request for the account. ******************** forwarded the complaint to ******* for further review and account validation. ******* provided SWC with billing statements which were emailed to Mr. ********* on February 18, 2025. The bill copies state the name and address of the original creditor, as well as the service address, dates, and charges. The information provided is sufficient for verification of the debt. The bill copies are also attached with this response.
  

  Please note, multiple billing statements may be included. For detailed information regarding the charges, please refer to the statement with the most recent date. If there are equipment charges listed, these charges are not collected by Southwest Credit.
  

  According to *******, the debt is valid and was properly placed in collections.
  
  Mr.********* may submit a written dispute and supporting documentation to SWC, and that information will be forwarded to ******* for further investigation. He may email the dispute to ********************************** or mail to **********************************
  
  SWC will continue to work with Mr. ********* to resolve the matter.
  
  If Mr. ********* or the Bureau has any further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *.*******
  Compliance Department
  Southwest Credit Systems, L.P. 

• Initial Complaint

  Date:02/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Southwest Credit System. I do not have a contract with Southwest Credit System, they did not provide me with the original contract that was requested.

  Customer Answer

  Date: 02/07/2025

  I have nothing to show. I have no contracts with this collector. I have no knowledge of this collection

  Business Response

  Date: 02/27/2025

  Complaint Number:    22908824
  Consumer Name:      ***** ********
  Response Date:        February 27, 2025
  
  
  Southwest Credit Systems, L.P.("SWC") is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously and is grateful for the opportunity to respond.
  
  On October 1, 2024, T-Mobile placed in our office for collections an unpaid balance of $1,558.78 owed by ***** ********,*******, **. According to T-Mobile, the account became delinquent in December 2020. This account belongs to T-Mobile and SWC was contracted to collect.
  
  On October 4, 2024, SWC sent Ms. ******** correspondence notifying her that the account was placed in our office for collections. A copy of the letter is included with this response.
  
  Prior to Ms. ********* complaint, SWC did not receive a written dispute or validation request for the account. ******************** forwarded the complaint to T-Mobile and requested further review and account validation.T-Mobile provided SWC with billing statements which state the name and address of the original creditor, as well as the service address, dates, and charges. The information provided is sufficient for verification of the debt. The bill copies are attached with this response.
  
  T-Mobile also provided SWC with the following account information and response:
  
  Account start date - 05/11/2015
  Account End Date 10/29/2020
  Cancelation Reason Port-Out
  Research & resolution Account is activated as Individual-Regular postpaid account with billing person name NANDI *.********. Original billing responsible person is responsible for the charges billed on account. We found significant usage on account till dated 10/29/2020.We can see that customer made payment on account of $1533.78 on dated 12/04/2020 which was backed out. We can see that customer ported out his service in starting of the middled billing cycle. However, we can see previous billing cylce already adjusted. We are unable to check if this equipment is returned or not due to unavailability of equipment information. Charges billed on account are valid. For credit report T-Mobile does not currently have a reporting relationship with the credit bureaus, Customer is to contact the bureaus directly with their credit related dispute.
  Last payment date 11/04/2020
  Last payment amount $171.16
  Breakdown of Balance - 
  Current Account Balance - $1558.78
  Statement Date - 11/14/2020 to 12/14/2020
  Charges Lease AC($991.88), Lease RE($394.68),Assurant($18.60), Equipment($73.62), Service($55.00), Dishonored check fee($25.00).
  OCA Fee - NA
  Debt validation Equipment charges are valid for the pending equipment installment plan due. Service charges are valid for service rendered. Assurant charges are valid for insurance warranty and mobile security. Lease charges are valid due to lease equipment installment plan payment due.
  According to T-Mobile the debt is valid and was properly placed in collections.
  Ms. ******** may submit a written dispute and supporting documentation to SWC, and that information will be forwarded to T-Mobile for further investigation. She may email the dispute to ********************************** or mail to **********************************
  
  SWC will continue to work with Ms. ******** to resolve the matter.
  
  If Ms. ******** or the Bureau has further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *. *******
  Compliance Department
  Southwest Credit Systems, L.P.
  

• Initial Complaint

  Date:02/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Southwest Credit Systems, LP *********************************************** Subject: Cease and Desist Demand Account #********* To Whom It May Concern,This letter serves as a formal cease and desist demand regarding your unlawful debt collection activities against me, *** *******. It has come to my attention that Southwest Credit Systems, LP is operating as a debt collection agency within the state of ******** without a valid license, making your collection activities illegal under Illinois law.Additionally, you have reported fraudulent and inaccurate information on my consumer report, violating my rights under federal law, including but not limited to: 15 U.S.C. 1681 Fair Credit Reporting Act (FCRA) violations. Other federal and state consumer protection laws prohibiting unfair and deceptive debt collection practices.Because your company is not licensed to collect debt in ******** and is actively violating my consumer rights, I demand that you:1. Immediately cease all collection activities related to this account, including any communication with me.2. Remove any and all inaccurate, misleading, or fraudulent information regarding this alleged debt from my consumer report.3. Provide written confirmation of your compliance with this request within 15 days of receipt.Failure to comply with this demand will result in formal complaints being filed with the *************************, the ************************ (***), the ************************************ (****), and legal action for damages due to your violations of federal and state laws.This letter serves as official notice under the Fair Debt Collection Practices Act (FDCPA) that you must immediately cease all collection activities related to this matter. Any further attempts to collect will be considered harassment and a willful violation of consumer protection laws.I expect your prompt attention to this matter.

  Business Response

  Date: 02/18/2025

  Complaint Number:    22907058
  Consumer Name:      *** *******
  Response Date:        February 18, 2025
  
  
  Southwest Credit Systems, L.P.("SWC") is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously and is grateful for the opportunity to respond.
  
  On October 29, 2024, T-Mobile placed in our office for collections an unpaid balance of $3,849.39 owed by *** *******,*******, **. According to T-Mobile, the account became delinquent in January 2021. This account belongs to T-Mobile and SWC was contracted to collect.
  
  Upon receipt of Mr. ******** complaint, SWC forwarded it to T-Mobile and requested further review and account validation.T-Mobile provided SWC with billing statements which state the name and address of the original creditor, as well as the service address, dates, and charges. The information provided is sufficient for verification of the debt. The bill copies are attached with this response.
  
  T-Mobile also provided SWC with the following account information and response:
  
  Account start date -08/27/2011
  Account End Date -04/21/2021
  Cancelation Reason -Non-payment
  Research & resolution -Account started as postpaid Individual-Regular as billing person *********** *******. Original billing responsible party responsible for charges billed on account. Equipment billed on account. Advised ******** does not currently have a reporting relationship with the credit bureaus, Customer is to contact the bureaus directly with their credit related dispute. Customer has requested no further contact. We have updated the account as cease & desist notified the agency to close and return the file to T-Mobile.  Balance on account is directly payable to TMO.
  Last payment date -03/04/2021
  Last payment amount -$71.11
  Breakdown of Balance -
  Current Account Balance -$3,849.39
  Statement Date -01/11/2021 to 05/11/2021
  ***************** late fee, equipment, assurant, restoration
  OCA Fee -$333.49
  Debt validation -Service charges are valid for the service rendered.  Late fee is for late payments. Equipment charges are valid for the pending Equipment Installment plan due. Assurant charges are valid for insurance warranty and mobile security. Restoration fee is valid for service restoration.
  

  According to T-Mobile the debt is valid and was properly placed in collections.
  

  If Mr. ******* believes the account is a result of fraud/identity theft, he may visit SWCs website at ************************************************************* for T-Mobiles fraud instructions and forms. A fraud claim may be required for proper resolution.
  

  On February 17, 2024, SWC closed Mr. ******** account in our office. SWC is no longer pursuing the matter and ceased collections activity. If Mr. ******* has subsequent concerns regarding the account, he may contact T-Mobile directly.
  

  SWC is fully registered, licensed,and bonded in all 50 states, as required. 
  

  If Mr. ******* or the Bureau has further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *. *******
  Compliance Department
  Southwest Credit Systems, L.P. 

• Initial Complaint

  Date:02/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had learned these few days ago after seeing my credit report that there is an account there that I never opened, tons of addresses that I never resided and inquiries I never made. My identity has been compromised, someone has been using and changing my information. I have contacted theh creditor to make them aware of this. They are requesting that I fill out a full Packet to show cause in order for them to cease reporting to my credit due to this identity theft. I also found this account that I believe not mine:Acct name: ******************** SYSTE (Original Creditor: T-MOBILE)acct no. *********date opened 09/01/2024 balance $1,636.00 I am not liable for this debt and I do not have a contract with:Company: SOUTHWEST CREDIT SYSTE Address: ******************************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my ********************** report at once. Any questions or concerns I can be reached at ***************************************************************************************** and email at [email protected] need a response from the company.

  Business Response

  Date: 02/18/2025

  Complaint Number:    22895207
  Consumer Name:      ******* ********
  Response Date:         February 18, 2025
  
  
  Southwest Credit Systems, L.P.("SWC") is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously and is grateful for the opportunity to respond.
  
  On September 11, 2024, T-Mobile placed in our office for collections an unpaid balance of $1,636.41 owed by ******* ********,**********, **. According to T-Mobile, the account became delinquent in May 2020. This account belongs to T-Mobile and SWC was contracted to collect.
  
  On October 18, 2024, SWC sent Ms. ******** correspondence notifying her that the account was placed in our office for collections. A copy of the letter is included with this response.
  
  Upon receipt of Ms. ******** complaint, SWC forwarded it to T-Mobile and requested further review and account validation. T-Mobile provided SWC with billing statements which state the name and address of the original creditor, as well as the service address, dates, and charges. The information provided is sufficient for verification of the debt. The bill copies are attached with this response.
  
  T-Mobile also provided SWC with the following account information and response:
  
  Account start date -12/27/2018
  Account End Date -08/09/2020
  Bill cycle date 28
  Cancelation Reason -Non-payment
  Research & resolution -Account started as postpaid Individual-Regular as billing person name ******* M. ********. Original billing responsible party responsible for charges billed on account. Equipment billed on account. Advised ******** does not currently have a reporting relationship with the credit bureaus, Customer is to contact the bureaus directly with their credit related dispute. If customer feels the account has been activated fraudulently under their information, then customer will need to contact to ********************** @ ************ to request a fraud packet. Once the form is completed and returned to ********, the fraud team will review the customer's claim and treat the account based on their findings.
  Last payment date -04/18/2020
  Last payment amount -$207.11
  Breakdown of Balance -
  Current Account Balance $1,636.41
  Statement Date -04/28/2020 to 08/28/2020
  ***************** late fee, equipment, assurant 
  OCA Fee -NA
  Debt validation -Service charges are valid for the service rendered. Late fee is for late payments. Equipment charges are valid for the pending Equipment Installment plan due. Assurant charges are valid for insurance warranty and mobile security.
  

  According to T-Mobile the debt is valid.
  

  Ms. ******** may submit a written dispute and supporting documentation to SWC, and that information will be forwarded to T-Mobile for further investigation. She may email the dispute to ********************************** or mail to **********************************
  
  If Ms. ******** believes the account is a result of fraud/identity theft, she may visit SWCs website at ************************************************************* for T-Mobiles fraud instructions and forms. A fraud claim may be required for proper resolution.
  
  SWC will continue to work with Ms. ******** to resolve the matter.
  
  If Ms. ******** or the Bureau has further questions, they may reach SWCs ****************************** at ************ or ******************************************************************************************.
  
  
  *. *******
  Compliance Department
  Southwest Credit Systems, L.P.