Business Profile
Collections Agencies
Southwest Credit Systems, LPComplaints
Customer Complaints Summary
- 822 total complaints in the last 3 years.
- 249 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:05/17/2023
Type:Billing IssuesStatus: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.
Called them today 5/15/23 to pay an outstanding debt. All I wanted to know was who I owed money to so I could pay it and improve my credit score and they jerked me around for 30 minutes to tell me I could pay them $199 down, $99 per month, and $1 more to get my credit score- but that theyd dispute the $109 charge thats on there if it was inaccurate. Also now Im receiving spam calls.Business Response
Date: 05/19/2023
Complaint Number: 20061910
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 December 16, 2022, Spectrum placed in our office for collections an unpaid balance of $109.90 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 18, 2022, SWC sent ****************** an electronic notification informing him that the account was placed in our office for collection.
Upon receipt of the complaint, SWC reviewed its communications with ******************. Our call records confirm that we did not speak with ****************** regarding his account.
******************** also forwarded the complaint to Spectrum for further review. On May 18, 2023, Spectrum closed ******************** account in our office. SWC is no longer pursuing the matter and ceased collections activity. If ****************** has any subsequent concerns, he may contact Spectrum directly.
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:05/15/2023
Type:Billing IssuesStatus: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.
$363 opened with Southwest January 11, 2023 This was deleted months ago for inaccuracy with Waypoint (now its on my credit report as a collection with Southwest in January)(Original Creditor: 11 ******* Communications LLC)account#: *******This is a violation of FCRA!Business Response
Date: 05/17/2023
Complaint Number: 20056209
Consumer Name: ***********************
Response Date: May 17, 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 11, 2023, ******* placed in our office for collections an unpaid balance of $363.16 owed by ***********************, **********, **. According to *******, the account became delinquent in October 2020. This account belongs to ******* and SWC was contracted to collect.
On January 13, 2023, SWC sent **************** an electronic notification informing her that the account was placed in our office for collection.
Upon receipt of **************** complaint, SWC forwarded it to ******* and requested further review and account validation. ******* provided SWC with billing statements which were mailed to **************** on May 15, 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. 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.Customer Answer
Date: 05/18/2023
I am rejecting this response because:
i have not received any letters in the mail from ******* or said company. Also, this was deleted from my credit report with another company and I have the proof. I will sure be disputing with this company and taking it further. This action is illegal.
Business Response
Date: 05/22/2023
Complaint Number: 20056209
Consumer Name: ***********************
Response Date: May 22, 2023
Southwest Credit Systems, L.P. ("SWC") is in receipt of **************** rebuttal and is grateful for the opportunity to respond.
On January 13, 2023, SWC sent **************** an electronic notification informing her that the account was placed in our office for collection. The letter was sent to the email address provided by our client, *******.
*************** may submit a written dispute to SWC, and that information will be forwarded to ******* for further investigation. **************** may include supporting documentation with her dispute.
Disputes can be sent via email to ********************************** or via mail to PO Box ****** ******, ***** 75262.
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.Customer Answer
Date: 05/24/2023
I am rejecting this response because: It is an automated response with no truth. I have no emails, nor letters from this company. I would be glad to have them forward a copy of said email showing that it was sent to me. They obviously have inaccurate information and obviously are inaccurately reporting on my credit report.Business Response
Date: 07/10/2023
Complaint Number: 20056209
Consumer Name: ***********************
Response Date: July 10, 2023
Southwest Credit Systems, L.P. ("SWC") is in receipt of **************** rebuttal and is grateful for the opportunity to respond.
On January 13, 2023, SWC sent **************** an electronic notification informing her that the account was placed in our office for collections. SWCs system confirms that the email was successfully delivered to the following address: ************************** A copy of the letter is also included with this response.
On July 6, 2023, SWC closed **************** account in our office. SWC is no longer pursuing the matter and ceased collections activity.
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: 07/10/2023
Letter attached.Initial Complaint
Date:05/15/2023
Type:Billing IssuesStatus: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 is a bought out debt that was from 20 years ago. Now there destroying my credit, I have already paid my dues in credit score.Business Response
Date: 05/18/2023
Complaint Number: 20052699
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 January 30, 2023, ******* placed in our office for collections an unpaid balance of $396.66 owed by ***********************************, ************, **. According to *******, the account became delinquent in December 2017. 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 collections.
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.
Note,SWC cannot proceed with mailing the bill copies to ************************ due to the Cease-and-Desist notated on the account. ************************ may contact our Executive ******************** at ************ or ************************************************************* for further assistance.
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 regrets any discontent the issue may have caused and will no longer contact *********************** 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: 05/19/2023
I am rejecting this response because: I have screenshot proof from two different ******* support representatives that state I have no account there or had an account there at the registered address. I had contacted customer support after I seen my ********************** report.Business Response
Date: 05/22/2023
Complaint Number: 20052699
Consumer Name: ***********************************
Response Date: May 22, 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. ************************ may also include supporting documents with his dispute.
Disputes can be sent via email to ********************************** or mail to PO Box ****** ******, ***** *****.
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:
here is my proof from ******* directly
Business Response
Date: 08/13/2023
Complaint Number: 20052699
Consumer Name: ***********************************
Response Date: August 13, 2023
Southwest Credit Systems, L.P. ("SWC") is in receipt of Mr. *********** rebuttal and is grateful for the opportunity to respond.
Comcast provided SWC with billing statements for validation of debt. The bill copies state the name and address of the original creditor, as well as the service address,dates, and charges. The service address listed on the account is ****************************************************************************.
SWC cannot proceed with mailing the bill copies to ************************ due to the verbal Cease-and-Desist notated on the account. ************************ may contact our Executive ******************** at ************ or ************************************************************* to request the documents.
According to ******** the debt is valid and was properly placed in collections.
On August 13, 2023, SWC closed Mr. *********** account in our office. SWC is no longer pursuing the matter and ceased all collections activity.
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:05/09/2023
Type:Billing IssuesStatus: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.They did not provide me with the original application like I asked. I demand this account delete from my credit reportBusiness Response
Date: 05/15/2023
Complaint Number: 20035186
Consumer Name: Okechukwu *******************************
Response Date: May 15, 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 August 23, 2022, ************** placed in our office for collections an unpaid balance of $586.25 owed by *****************************, ******** *****, **. According to **************, the account became delinquent in June 2021. This account belongs to ************** and SWC was contracted to collect.
Prior to **************** 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 a billing statement which was mailed to ************** on May 12, 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.
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.Customer Answer
Date: 05/16/2023
I am rejecting this response because: I was never notified of this collection. The address and name on the account is not mine.My full name is ********* ******************************* ,and my address is *******************************************************************************,attached is a copy of my ******** **************************** proof of address and name.under the FAIR DEBT COLLECTION PROTECTION ACT,I have the right to request and receive validation of the debt,therefore I request 1-Document that show I signed and agreed to pay this debt.2-Agreement that grants you authority to collect this debt.3- The account is reported as an OPEN ACCOUNT" which is not under FCRA compliance .This is inaccurate reporting and needs to be removed immediately.4- I request the calculation of this balance including the complete payment history made to your company by me.Business Response
Date: 05/18/2023
Complaint Number: 20035186
Consumer Name: Okechukwu *******************************
Response Date: May 18, 2023
Southwest Credit Systems, L.P. ("SWC") is in receipt of **************** rebuttal and is grateful for the opportunity to respond.
On September 8, 2022, SWC mailed ************** correspondence notifying him that the account was placed in our office for collections. A copy of the letter is included with this response. The letter was mailed to the same address listed on the complaint.
SWC believes it has fulfilled its obligation for validation as required by law. On May 12, 2023, SWC mailed ************** a billing statement provided by *************** 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. Note, SWC is not obligated to produce a signed agreement as the consumer is not always required to sign one to obtain services.
If ************** believes the account is a result of fraud/identity theft, he may visit SWCs website at ************************************************************* for Pepco Electrics fraud instructions and forms. A fraud claim may be required for proper resolution.
SWC is fully registered, licensed and bonded in all 50 states, as required.
SWC regrets any discontent the issue may have caused and 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:05/09/2023
Type:Billing IssuesStatus: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 SYSTE. They do not provide me with the original application like asked.Business Response
Date: 05/11/2023
Complaint Number: 20033603
Consumer Name: *************************
Response Date: May11, 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 26, 2023, ******* placed in our office for collections an unpaid balance of $389.03 owed by *************************, *******, **. According to *******,the account became delinquent in October 2021. This account belongs to ******* and SWC was contracted to collect.
On March 1, 2023, SWC sent ****************** an electronic notification informing her that the account was placed in our office for collection.
Prior to ******************** 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 10, 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.
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 ****** *******************.
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:05/08/2023
Type:Billing IssuesStatus: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 syste #******XX Its illegal for a collection agency to contact the consumer (me) in any way shape form or fashion. Reporting or goin in my credit report with out my consent is against the law and I never signed a contact with this company or entity 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692CBusiness Response
Date: 05/12/2023
Complaint Number: 20028318
Consumer Name: ***************************
Response Date: May 12, 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 3, 2023, ******* placed in our office for collections an unpaid balance of $406.76 owed by ***************************, ************, **. According to *******, the account became delinquent in October 2022. This account belongs to ******* and SWC was contracted to collect.
Upon receipt of ********************** complaint, SWC forwarded it to ******* and requested further review and account validation. ******* provided SWC with billing statements which were mailed to ******************** on May 8, 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.
On May 10, 2023, SWC closed ********************** account in our office. SWC is no longer pursuing the matter and ceased all collections activity and credit reporting.
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:05/05/2023
Type:Billing IssuesStatus: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.
My name is ***************************, a natural woman, federally protected and I am submitting this complaint on my behalf without any influence from any third party or its affiliates.On May 4th, 2023 I received an alert about damages made to my consumer report by Southwest Credit Systems LP alleging an unpaid balance of $139. I have no knowledge of this account, I did not consent to contract with company nor did I receive any notice from this company to dispute the alleged account before it was parked onto my consumer report extorting me to pay. Southwest Credit Systems LP is in direct violation of FTC, FDCPA, FCRA and the False Claim Act for committing racketeering/extortion, identity theft and parking a debt on my consumer report depriving me of my right to dispute or validate the alleged debt first. I refuse to pay the alleged debt. The unethical bad business practice made by Southwest Credit Systems has caused me severe damages and constitutes civil liabilities under 15 USC 1692K.Business Response
Date: 05/10/2023
Complaint Number: 98621135
Consumer Name: Tekeylia **********;
Response Date: May 10, 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 8, 2023, Spectrum placed in our office for collections an unpaid balance of $139.04 owed by ***************************, **********, **. According to Spectrum, the account became delinquent in July 2019. This account belongs to Spectrum and SWC was contracted to collect.
On March 15, 2023, SWC sent ************** an electronic notification informing her that the account was placed in our office for collections.
Upon receipt of **************** complaint, SWC forwarded it to Spectrum for further review.On May 8, 2023, Spectrum closed **************** account in our office. SWC is no longer pursuing the matter and ceased collections activity. If ************** has any subsequent concerns arise, she may contact Spectrum directly.
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:05/05/2023
Type:Customer Service IssuesStatus: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.
They have called me every day, multiple times a day for over a month. I feel like I am being harassed at this point, and they call from a different number every time. Please put me on a DO NOT CALL list. They are harassing me and there is no reason I should be receiving multiple calls a day.Business Response
Date: 05/08/2023
Complaint Number: 20020673
Consumer Name: *************************************
Response Date: May 8, 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 accounts in our office that belong to *************************
On February 19, 2023, AAA contracted SWC to collect the unpaid balance of $396.65 from *************************************, *******, **. According to AAA, the account became delinquent in July 2022. This account belongs to AAA and SWC was contracted to collect.
On March 23, 2023, CTRMA contracted SWC to collect the unpaid balance of $52.68 from *************************************, *******, **. This account belongs to CTRMA and SWC was contracted to collect.
SWC has added Ms. *********** phone number *************) to our permanent Do Not Call list.
SWC will honor Ms. *********** request to cease and desist and will no longer contact her regarding the matters. SWC regrets any discontent the issue may have caused.
If ************************ or the Bureau has further questions, they may reach SWCs Executive ******************** at ************** or *********************************************************************.
*****************
Compliance Department
Southwest Credit Systems, L.P.Initial Complaint
Date:05/02/2023
Type:Billing IssuesStatus: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 hereby give your Company notice pursuant to 15 USC **** (k) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.According to 15 USC **** (k), the term "adequate notice" means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC **** (k).Further, pursuant to 15 USC **** (a) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.From your end, I have not benefited from this transaction which is again violation of 15 USC **** (p).According to 15 USC ****(p), The term "unauthorized use" means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.I hereby request you to do the below-mentioned things; remove from my credit report If you accept my request, I will not escalate this matter to Federal Court. In case,you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.Thank you for your attention to this matter.sincerely *****************************Business Response
Date: 05/03/2023
Complaint Number: 20007936
Consumer Name: *****************************
Response Date: May 3, 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 searched our office for an account belonging to ********************. SWC did not find an account placed in our office for ********************.
******************* may submit additional information such as the client account number or ******************** reference number, and we can better assist with her concerns.
If ******************** or the Bureau has further questions, they may reach SWCs Executive ******************** at ************** or *********************************************************************.
*****************
Compliance Department
Southwest Credit Systems, L.P.Initial Complaint
Date:05/02/2023
Type:Billing IssuesStatus: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 checked my consumer report and found a COLLECTION from SOUTHWEST CREDIT SYSTEMS that was opened on 09/01/2020 Account# ******** in the Amount of $627 that I do not recall and I'm not reliable for! I've never entered into a signed agreement or contract with them! This INACCURATE COLLECTION is not mine and I would like it removed and for all COLLECTION activity to cease!Business Response
Date: 05/05/2023
Complaint Number: 20006682
Consumer Name: *************************
Response Date: May 5, 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 1, 2020, ******* placed in our office for collections an unpaid balance of $626.56 owed by *******************************, *********, **. According to *******, the account became delinquent in April 2018. This account belongs to ******* and SWC was contracted to collect.
On November 18, 2021, SWC sent ************ an electronic notification informing her that the account was placed in our office for collection.
*********** 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.
If ************ 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 honor Ms. ***** request to cease and desist and will no longer contact her 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.
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