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:06/08/2023

  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 ******* Communications. I do not have a contract with Southwest Credit System,LP, they did not provide me with the original contract as I requested.

  Business Response

  Date: 06/19/2023

  Complaint Number:              20158970
  Consumer Name:                 ***************************
  Response Date:                   June 19, 2023
  
  
  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 November 22, 2022, Spectrum placed in our office for collections an unpaid balance of $344.33 owed by ***************************, ******, **.  According to Spectrum, the account became delinquent in April 2020. This account belongs to Spectrum and SWC was contracted to collect.
  
  On December 5, 2022, SWC sent ************** an electronic notification informing him that the account was placed in our office for collections.
  
  Prior to ************** complaint, SWC did not receive a written dispute or validation request. SWC forwarded the complaint to Spectrum and requested further review and account validation. Spectrum provided SWC with billing statements which were mailed to ************** on June 9, 2023. 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.
  
  According to Spectrum, the debt is valid and was properly placed in collections.
  
  ************* may submit a written dispute to SWC, and that information will be forwarded to Spectrum for further investigation. He may email his dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  If ************** or the Bureau has any further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  *****************
  Compliance Department
  Southwest Credit Systems, L.P.
  
  
  

• Initial Complaint

  Date:06/07/2023

  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 with this debt with ******** I do not have a contract with Southwest Credit Systems, LP. They did not provide me with the original contact as I requested.

  Business Response

  Date: 06/19/2023

  Complaint Number:              20156067
  Consumer Name:                 Blaze *****
  Response Date:                   June 19, 2023
  
  
  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 February 21, 2023, ******* placed in our office for collections an unpaid balance of $949.94 owed by ****************, ************, **. According to *******,the account became delinquent in September 2020. This account belongs to ******* and SWC was contracted to collect.
  
  On March 1, 2023, SWC mailed ************** correspondence notifying him that the account was placed in our office for collections.
  
  Prior to Mr. ****** BBB complaint, SWC did not receive a written dispute or validation request. SWC forwarded the complaint to ******* and requested further review and account validation. ******* provided SWC with billing statements which were mailed to ************** on June 9, 2023. 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.
  
  According to *******, the debt is valid and was properly placed in collections.
  
  ************* may submit a written dispute to SWC, and that information will be forwarded to ******* for further investigation. He may email his dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  If ************** or the Bureau has any further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  *****************
  Compliance Department
  Southwest Credit Systems, L.P. 

• Initial Complaint

  Date:06/05/2023

  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. They did not provide me with the original account as I requested.

  Business Response

  Date: 06/07/2023

  Complaint Number:              20142572
  Consumer Name:                 Brea Washington
  Response Date:                   June 7, 2023
  
  
  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 November 9, 2022, ******* placed in our office for collections an unpaid balance of $177.69 owed by *************************, ******, **.  According to *******, the account became delinquent in August 2020. This account belongs to ******* and SWC was contracted to collect.
  
  On November 13, 2022, SWC mailed ************************** correspondence notifying her that the account was placed in our office for collection.
  
  Prior to Ms. *********** complaint, SWC did not receive a written dispute or validation request. SWC forwarded the complaint to ******* and requested further review and account validation. ******* provided SWC with billing statements which were mailed to ************************** on June 7, 2023. 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.
  
  According to *******, the debt is valid and was properly placed in collections.
  
  ************************* may submit a written dispute to SWC, and that information will be forwarded to ******* for further investigation. She may email her dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  SWC will continue to work with ************************ to resolve the matter.
  
  If ************************ or the Bureau has any further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  *****************
  Compliance Department
  Southwest Credit Systems, L.P.
  
  
  

• Initial Complaint

  Date:05/30/2023

  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.

  In accordance with the Fair Credit Reporting act ************* has violated my rights15 U.S.C ****b(a)(2) [15 U.S.C **** section 602 A]. ****** I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish data of an account without my written instructions. The company is falsely accusing me of owing them $56.00 for services I never used and refuse to remove it from my credit report, in direct violation to 15 U.S.C **** C (a) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter. I would like this deleted from my report!

  Business Response

  Date: 06/07/2023

  Complaint Number:              20116076
  Consumer Name:                 ***************************
  Response Date:                   June 7, 2023
  
  
  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 January 28, 2022, Spectrum placed in our office for collections an unpaid balance of $56.64 owed by ***************************, *******, **.  According to Spectrum, the account became delinquent in February 2019. This account belongs to Spectrum and SWC was contracted to collect.
  
  On April 14, 2022, SWC sent **************** an electronic notification informing him that the account was placed in our office for collection.
  
  Upon receipt of Mr. ******* complaint, SWC forwarded it to Spectrum and requested further review and account validation. Spectrum provided SWC with billing statements which were mailed to **************** on June 5, 2023. 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.
  
  According to Spectrum, the debt is valid and was properly placed in collections.
  
  ************* may submit a written dispute to SWC, and that information will be forwarded to Spectrum for further investigation. She may email her dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  SWC will consider Mr. ******* complaint a cease and desist and will no longer contact him regarding the matter. SWC regrets any discontent the issue may have caused.
  
  If **************** or the Bureau has any further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  *****************
  Compliance Department
  Southwest Credit Systems, L.P. 

  Business Response

  Date: 06/14/2023

  ***The business contacted BBB and apologized that the wrong response was uploaded. See below for correct response:

  Complaint Number: 20116076
  
  Consumer Name: ***************************
  
  Response Date: June 7, 2023
  
  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 January 28, 2022, Spectrum placed in our office for collections an unpaid balance of $56.64 owed by ***************************, *******, **. According to Spectrum, the account became delinquent in February 2019. This account belongs to Spectrum and SWC was contracted to collect.
  
  On April 14, 2022, SWC sent **************** an electronic notification informing him that the account was placed in our office for collection.
  
  Upon receipt of Mr. ******* complaint, SWC forwarded it to Spectrum and requested further review and account validation. Spectrum provided SWC with billing statements which were mailed to **************** on June 5, 2023. 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.
  
  According to Spectrum, the debt is valid and was properly placed in collections.
  
  **************** may submit a written dispute to SWC, and that information will be forwarded to Spectrum for further investigation. He may email his dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  SWC will consider Mr. ******* complaint a cease and desist and will no longer contact him regarding the matter. SWC regrets any discontent the issue may have caused.
  
  If **************** or the Bureau has any further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  ******************
  Compliance Department
  Southwest Credit Systems, L.P.

• Initial Complaint

  Date:05/30/2023

  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 ******* and do not have a contract with Southwest Credit Systems. They did not provide me with the original application as I asked.

  Business Response

  Date: 06/07/2023

  Complaint Number:              20114923
  Consumer Name:                 ***************************
  Response Date:                   June 7, 2023
  
  
  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 4, 2022, ******* placed in our office for collections an unpaid balance of $277.36 owed by ***************************, *******. **.  According to *******, the account became delinquent in November 2017. This account belongs to ******* and SWC was contracted to collect.
  
  On November 9, 2022, SWC sent ******************** an electronic notification informing him that the account was placed in our office for collection.
  
  Prior to Mr. ********* complaint, SWC did not receive a written dispute or validation request. SWC forwarded the complaint to ******* and requested further review and account validation. ******* provided SWC with billing statements which were mailed to ******************** on June 5, 2023. 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.
  
  According to *******, the debt is valid and was properly placed in collections.
  
  ******************* may submit a written dispute to SWC, and that information will be forwarded to ******* for further investigation. He may email his dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  SWC will continue to work with ******************** to resolve the matter. If ******************** or the Bureau has any further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  *****************
  Compliance Department
  Southwest Credit Systems, L.P.
  
  

• Initial Complaint

  Date:05/23/2023

  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.

  Southwesy Credit Systems is a shady company. I have paid the $60 they have on my credit report twice and within **** months it shows up again, Please ask them to terminate their business.

  Business Response

  Date: 05/26/2023

  Complaint Number:    20094244
  Consumer Name:      *********************
  Response Date:        May 26, 2023
  
  
  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.
  
  SWC found two AAA accounts in our office belonging to *******************
  
  On October 20, 2016, AAA contracted SWC to collect the unpaid balance of $60.00 from ******************, *************, **. According to AAA, the account became delinquent in September 2016. This account belongs to AAA and SWC was contracted to collect. On October 23, 2016, SWC mailed ****************** correspondence notifying him that the account was placed in our office for collection.
  
  Upon receipt of Mr. ******** complaint, SWC forwarded it to AAA and requested further review and account validation. AAA provided SWC with a billing statement which was mailed to ****************** on May 26, 2023. 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.
  
  AAA also provided SWC with the following response:
  
  This membership expired 06/29/2016, and membership dues were never paid. Therefore,there is a charge for the service utilized by the adult associate member on 07/24/16.
  
  According to AAA, the debt is valid and was properly placed in collections.
  
  ***************** may submit a written dispute to SWC, and that information will be forwarded to AAA for further investigation. He may email his dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  On July 22, 2022, AAA contracted SWC to collect the unpaid balance of $180.00 from ******************, *************, **. According to AAA, the account became delinquent in March 2022. This account belongs to AAA and SWC was contracted to collect. On July 25, 2022, SWC mailed ****************** correspondence notifying him that the account was placed in our office for collection.
  
  On October 7, 2022, ****************** made payment of $180.00 to pay the account in full. ******************** closed the account in our office and updated account status with the credit bureaus, accordingly.
  
  If ****************** or the Bureau has further questions, they may reach SWCs Executive ******************** at ************** or *********************************************************************.
  
  *****************
  Compliance Department
  Southwest Credit Systems, L.P. 

• Initial Complaint

  Date:05/22/2023

  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 have reviewed your response through CFPB and you claim that the attached ******* letter you submitted is sufficient debt verification under 15 USC ****g. but i have distilled the violations that i found in your response that i intend to address now; 1.) You have failed to produce a certified mail tracking number with proof of delivery that the attached document was delivered to me within 5 days of reporting this *********** Even if you did provide a certified mail tracking number that shows proof of delivery, this ******* letter has failed to meet congress requirements under 15 USC ****g(a)(4) & (5) Failing to include my right to request debt verification from the original creditor. in your response, it states that I can only ask for the name and address of the original creditor misinforming me of my complete right to dispute the debt which is a violation in each district court in the U.S. (See e.g., ****** v. Ekpsz, LLC, 821 F. Supp. 2d 859, 870)3.) you have also failed to establish a contract signed by me and your agency that expresses mutual assent. without 2 signatures there is no meeting of minds, hence no valid contract in contract law. Therefore there is nothing that legally obligates me into owing your agency a debt. 4.) The information you have produced does not meet Congress's requirements for debt verification. you have simply forwarded third-hand information that doesn't express personal knowledge of proof that the debt exists. pursuant 15 USC ****g you are required to produce verification from a creditor meaning verified accounting records that would validate this debt. E.g., ****** v. Portfolio Recovery Assocs., LLC, 2009 U.S. *********** ******, *6 "Simply repeating second--or third-hand information in the debt collector's file . . . is insufficient under the statute." Id. Because the complaint alleges that PRA, as debt collector, failed to properly verify ******** debt, it states a valid claim for relief pursuant to 15 U.S.C. ****g(b).

  Business Response

  Date: 05/22/2023

  Complaint Number:              20088295
  Consumer Name:                 *****************************
  Response Date:                  May 22, 2023
  
  
  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 19,2022, ******* placed in our office for collections an unpaid balance of $377.06 owed by *****************************, ***************, **. According to *******, the account became delinquent in March 2020. This account belongs to ******* and SWC was contracted to collect.
  
  On November 1,2022, SWC mailed ****************** correspondence notifying him that the account was placed in our office for collections. The letter includes information on disputing a debt. A copy of the letter is also included with this response.
  
  Upon receipt of Mr. ******** prior CFPB complaints (#******-11016988 and 230516-11094896), SWC forwarded them to ******* and requested further review and account validation.******* provided SWC with billing statements which were mailed to ****************** on May 5, 2023. 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.
  
  According to *******, the debt is valid and was properly placed in collections.
  
  ****************** may submit a written dispute to SWC, and that information will be forwarded to ******* for further investigation. He may email his dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  SWC believes that it has fulfilled its obligations as required by law regarding collections activity and credit reporting.   

  SWC regrets any discontent the issue may have caused and will consider Mr. ******** complaint a cease and desist. SWC will no longer contact him regarding the matter.
  
  If ****************** or the Bureau has any further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  ******************
  Compliance Department
  Southwest Credit Systems, L.P. 

  Customer Answer

  Date: 05/25/2023

  I am rejecting this response because:   

  the information you provided does not validate a debt. no contract is signed between me and your agency expressing mutual assent. without mutual assent there is no meeting of minds, without a meeting of minds there is no valid contract in contract law. Nothing legally binds me into paying your company the alleged debt. 
  
  You provided second-hand information that does not meet Congress's requirements for debt verification. your a third-party debt collector lacking personal knowledge on my transactions therefore you legally cannot validate a debt. As the original creditor to my transactions, I don't validate this debt. ( See e.g., ****** v. Portfolio Recovery Assocs., LLC, 2009 U.S. *********** 104952,)
  
  You failed to produce proof of delivery of a ******* letter within five days of reporting this tradeline on my consumer report, violating my rights under 15 USC 169g.
  
  without providing a contract signed by both parties and verified accounting records you have legally failed to meet Congress obligations under debt verification meaning this tradeline must be deleted from my consumer report until that information is provided under 15 USC 1692g(b). (See Semper v. JBC ************ **** U.S. *********** *****, *13)
  
  you have 10 days to remove this tradeline from my consumer report. failure to comply then I intend to take action immediately. 
  
  

  Business Response

  Date: 05/26/2023

  Complaint Number:              20088295
  Consumer Name:                 *****************************
  Response Date:                  May 26, 2023
  
  
  Southwest Credit Systems, L.P. ("SWC") is in receipt of Mr. ******** rebuttal and is grateful for the opportunity to respond.
  
  SWC believes it has fulfilled its obligations regarding collections activity, validation,and credit reporting in accordance with applicable laws and regulations.
  
  SWC mailed ****************** a notification letter informing him that the account was placed in our office for collections. SWC verified the above-referenced debt with copies of related documents provided by our client. The effort we undertook determined (1) that the debt upon which we sought to collect remained a valid and continuing obligation, (2) that the amount which we were pursuing was the correct amount of the debt, and (3) that ***************************** was the correct party responsible for payment of the debt.

  Please note, SWC is not obligated to produce a signed agreement as the consumer is not always required to sign one to obtain services. According to ******** the debt is valid and was properly placed in collections.

  ****************** may submit a written dispute to SWC, and that information will be forwarded to ******* for further investigation. He may email his dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  SWC notated Mr. ******** account as ***** and Desist and will no longer contact him regarding the matter.
  
  If ****************** or the Bureau has any further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  ******************
  Compliance Department
  Southwest Credit Systems, L.P.

  
  

  Customer Answer

  Date: 05/29/2023

  I am rejecting this response because:   i have reviewed your response and discovered multiple infractions under the FDCPA. 
  
  SWC submitted insufficient verification documentation, simply providing second-hand information from a creditor that is not participating in the collection of the alleged debt. pursuant 15 USC ****g(a)(4) SWC must submit debt verification upon request. You have also failed to include this in the ******* letter you have provided violating my rights under 15 USC ****g. 
  
  Pursuant black laws dictionary definition of verification- Verification means Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See ******** **************************, 134 111. 126, 25 N. E. 
  
  Therefore unless you can provide a signed affidavit from the original creditor and verified accounting records that prove the debt exists, then you have failed to meet debt validation obligations under 15 USC ****g. Furnishing a deceptive form in the process. 
  
  SWC failed to include that this communication is from a debt collector and any information shall be used and obtained for debt collection purposes committing a false and misleading representation of my rights under 15 USC ****e(11), as the mini ******* is required in each SUBSEQUENT communication under the statue. (See e.g., ****** ****************, 911 ******** ****, **** (D.N.M. 1995)  
  
  
  I have succinct evidence of each claim asserted against your agency. if you delete this tradeline then no further action shall be taken on my end. Failure to comply then I shall take action immediately to acquire justice for the iniquitous I've received from your agency under 15 USC ****k Civil Liability. (See ***** v. G. C. Services Corp., 677 F.2d 775, **** **** App. ***** ***** (9th Cir. ****). 
  
  

• Initial Complaint

  Date:05/22/2023

  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 that I requested.

  Business Response

  Date: 05/26/2023

  Complaint Number:              20087565
  Consumer Name:                 *************************
  Response Date:                   May 26, 2023
  
  
  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 January 30, 2023, ******* placed in our office for collections an unpaid balance of $457.46 owed by ***********************, *************, **.  According to *******, the account became delinquent in July 2018. This account belongs to ******* and SWC was contracted to collect.
  
  On February 3, 2023, SWC sent ****************** an electronic notification informing him that the account was placed in our office for collection.
  
  Prior to Mr. ******** complaint, SWC did not receive a written dispute or validation request. SWC forwarded the complaint to ******* and requested further review and account validation. ******* provided SWC with billing statements which were mailed to ****************** on May 24, 2023. 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.
  
  According to *******, the debt is valid and was properly placed in collections.
  
  ***************** may submit a written dispute to SWC, and that information will be forwarded to ******* for further investigation. He may email his dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  SWC will continue to work with ****************** to resolve the matter. If ****************** or the Bureau has any further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  *****************
  Compliance Department
  Southwest Credit Systems, L.P. 

• Initial Complaint

  Date:05/18/2023

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  ******** and SWCS are trying to collect $879. This is not my debt. secondly the information that claims to be my debt does not even have my legal name correct they have it listed as *************** which is not my full legal binding name for any type of contract. I have filed a fraud claim and multiple disputes showing that the debt is not mine. Yet it was reported on my credit report sinking my score. All supporting documents have been provided including but not limited to the ACTUAL responsible party for the debt.

  Business Response

  Date: 05/19/2023

  Complaint Number:    20073726
  Consumer Name:     *****************************
  Response Date:       May 19, 2023
  
  
  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 March 14,2023, ******** placed in our office for collections an unpaid balance of $879.18 owed by ***************, ************. According to ********, the account became delinquent in August 2021. This account belongs to ******** and SWC was contracted to collect.
  
  Upon receipt of Mr. ****** complaint, SWC forwarded it to ******** and requested 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.
  
  SWC cannot proceed with mailing the bill copies to ************** due to the Cease-and-Desist request received with the complaint. ************** may contact our Executive ******************** at ************ or ************************************************************* for further assistance.
  
  ******** also provided SWC with the following account information and response:
  
  Account start date 09/11/20.
  Account End Date- 10/21/21. 
  Bill cycle date 12. 
  Research & resolution Account activated as postpaid Individual-Regular as billing person name ************** CASE.Original billing responsible party responsible for charges billed on account. Customer needs to resolve balance on same account. Received last payment of $100.00 on dated 09/10/21 which got posted against past due ******************* significant usage till 09/10/21.  Final equipment plan billed on account. Advise the customer will need to contact the agency to discuss their credit report. Account previously treated by OCA support ******* on dated 04/06/23. 
  Breakdown of Balance Current account balance of $879.18 consist of service charges of $304.01, Equip charges of $247.49, Late fee of $171.13,  Assurant charges of $93.40, Restore charges of $63.16, 
  Last payment date - 09/10/21.
  Statement Date 07/12/21 to 11/12/21.
  Debt validation - Service charges are valid for service rendered. Equipment charges are valid for the pending equipment due. Assurant charges are valid for insurance warranty and mobile security.   
  Late fee is incurred for late payments and one-time charges to restore sub from suspension.
  Restoration fee is valid for service restoration.

  According to ********, the debt is valid and was properly placed in collections.

  ************** may submit a written dispute to SWC, and that information will be forwarded to ******** for further investigation. He may email his dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  If ************** believes the account is a result of fraud/identity theft, he may visit SWCs website at ************************************************************* for ********s fraud instructions and forms. A fraud claim may be required for proper resolution.
  
  SWC will honor Mr. ****** request to cease and desist and will no longer contact him regarding the matter.
  
  If ************** or the Bureau has further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  ******************
  Compliance Department
  Southwest Credit Systems, L.P. 

  Customer Answer

  Date: 05/19/2023

  I am rejecting this response because: its negligence by both ******** and SWCS when they have received multiple documents and disputes regarding this matter. It needs to be removed and reflected on my credit report. Otherwise legal repercussions will happen and I will be going after further damages caused by both companies 

  Business Response

  Date: 05/22/2023

  Complaint Number:    20073726
  Consumer Name:     *****************************
  Response Date:       May 19, 2023
  
  
  Southwest Credit Systems, L.P. ("SWC") is in receipt of Mr. ****** rebuttal and is grateful for the opportunity to respond.
  
  ************** may submit a written dispute to SWC, and that information will be forwarded to ******** for further investigation. He may include supporting documentation with his dispute. Disputes can be sent via email to ********************************** or via mail to PO Box ****** ******, ***** 75262.

  If ************** believes the account is a result of fraud/identity theft, he may visit SWCs website at ************************************************************* for ********s fraud instructions and forms. A fraud claim may be required for proper resolution.
  
  SWC regrets any discontent the issue may have caused and will continue to work with ************* to resolve the matter.
  
  If ************** or the Bureau has further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  ******************
  Compliance Department
  Southwest Credit Systems, L.P. 

  Customer Answer

  Date: 05/22/2023

  I have reviewed the business response and accept this resolution. I will continue to try and contact SWCS directly to further resolve this matter. 

• Initial Complaint

  Date:05/17/2023

  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. They did not provide me with the original contract as requested.

  Business Response

  Date: 05/18/2023

  Complaint Number:    20063876
  Consumer Name:     *****************************
  Response Date:       May 18, 2023
  
  
  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 July 6,2022, ******** placed in our office for collections an unpaid balance of $702.44 owed by *****************************, ****** Township, **. According to ********, the account became delinquent in August 2018. This account belongs to ******** and SWC was contracted to collect.
  
  On July 18,2022, SWC sent ************************ an electronic notification informing him that the account was placed in our office for collection.
  
  Prior to Mr.*********** ********** SWC did not receive a written dispute or request for validation.SWC forwarded the complaint to ******** and requested further review and account validation. ******** provided SWC with billing statements which were mailed to ************************ on May 17, 2023. 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. Note, SWC is not obligated to produce a signed agreement as the consumer is not always required to sign one to obtain services.
  
  ******** also provided SWC with the following account information and response:
  
  Account start date 02/04/17.
  Account End Date - 11/17/18.
  Bill cycle date  05.
  Research & resolution Account activated as postpaid Individual-Regular as billing person name *****************************. Original billing responsible party responsible for charges billed on account. Customer needs to resolve balance on same account. Received last payment of $221.65 on dated 08/13/18 which got posted against past due ******************* significant usage till 10/13/2018.  Final equipment plan billed on account. Advise the customer will need to contact the agency to discuss their credit report.
  Breakdown of Balance Current account balance of $702.44 consists of service charges of $225.00, equip charges of $338.00, late fee of $26.20, Restore charges of $20.42, Assurant charges of $19.93, Including collection fee of $72.89.
  Last payment date - 08/13/18.
  Statement Date 08/05/18 to 12/05/18.
  Debt validation - Service charges are valid for service rendered. Equipment charges are valid for the pending equipment due. Assurant charges are valid for insurance warranty and mobile security. A late fee is incurred for late payments and one-time charges to restore sub from suspension. Restoration fee is valid for service restoration. 

  According to ********, the debt is valid and was properly placed in collections. 

  ************************ may submit a written dispute to SWC, and that information will be forwarded to ******** for further investigation. He may email his dispute to ********************************** or mail to PO Box ****** ******, ***** 75262.
  
  SWC will continue to work with ************************ to resolve the matter.
  
  If *********************** or the Bureau has further questions, they may reach SWCs Executive ******************** at ************ or *************************************************************.
  
  
  ******************
  Compliance Department
  Southwest Credit Systems, L.P.