Southwest Credit Systems Debt Help

1,641

Consumer Issues

There are 1,641 issues about Southwest Credit Systems

81%

Acceptable Response Time

Southwest Credit Systems responded to 1345 consumer issues in a timely manner

371

Issues so far in 2018

371 issues through April 25th, 2019. There were 462 consumer issues in 2017.

Southwest Credit Systems Debt collection

There are 1,641 consumer issues related to Debt collection

Last Updated: April 25th, 2019

If you are dealing with debt collection attempts from Southwest Credit Systems, it is helpful to research their strategies.

We have archived 1,641 consumer complaints against Southwest Credit Systems, as reported by the CFPB. It is important to remember that these complaints are not verified, although they provide great debt negotiation strategy insight by seeing how Southwest Credit Systems deals with collecting debt from other consumers.

Should you want to file a complaint or speak to a debt help counselor, we are here for you.

Attempts to collect debt not owed

910 Filings

  • Debt is not mine: 532
  • Debt was already discharged in bankruptcy: 15
  • Debt was paid: 228
  • Debt was result of identity theft: 135

Debt Verification

413 Filings

  • Communications failed to disclose attempt to collect a debt: 13
  • Not enough info provided to verify debt: 283
  • Right to dispute debt notice not received: 117

False statements or representation

125 Filings

  • Attempted to collect wrong amount: 112
  • Impersonated attorney, law enforcement, or government official: 1
  • Indicated committed crime not paying: 8
  • Indicated shouldn't respond to lawsuit: 1
  • Indicated you were committing crime by not paying debt: 3

Harrassing Communications

122 Filings

  • Called after sent written cease communications: 4
  • Called outside of 8am-9pm: 3
  • Frequent or repeated calls: 83
  • Threatened to take legal action: 9
  • Used obscene, profane, or other abusive language: 3
  • You told them to stop contacting you, but they keep trying: 20

Improper contact or info sharing

31 Filings

  • Contacted me after I asked not to: 11
  • Contacted me instead of my attorney: 1
  • Talked to a third party about my debt: 19

Took or threatened negative or legal action

40 Filings

  • Collected or attempted to collect exempt funds: 2
  • Seized or attempted to seize my property: 1
  • Sued you in a state where you do not live or did not sign for the debt: 2
  • Threatened arrest or jail if I do not pay: 2
  • Threatened or suggested your credit would be damaged: 29
  • Threatened to sue me for very old debt: 4

Southwest Credit Systems Debt Settlement

If you are experiencing financial hardship and are unable to make payments to Southwest Credit Systems, you may have the right to settle your debt for less than the full amount.

Southwest Credit Systems Debt Management

If you are experiencing financial hardship and burdened by fees and interest, you may qualify to enter your debt with Southwest Credit Systems into a debt management plan. The goal of a debt management plan, also known as credit counseling, is to repay the full amount with more beneficial terms to the consumer.

Debt collection / Unknown

Today, XX/XX/2019, I received a call from

Southwest Credit Systems Attempts to collect debt not owed / Debt is not mine

02/20/2019

Today, XX/XX/2019, I received a call from Southwest Credit Systems. This is the second call I have received after I have asked them to provide a validation of debt to my mailing address. I received a call XX/XX/2019 and let the representative of Southwest Credit to no longer call my cellular phone since I have that right under credit protection

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Debt collection / Other debt

XXXX in XXXX, Az, erroneously sicced Southwest

Southwest Credit Systems Harrassing Communications / Frequent or repeated calls

02/18/2019

XXXX in XXXX, Az, erroneously sicced Southwest Credit Systems on us for a nonexistent amount owed. XXXX has conceded three times on the phone that the " debt '' is a mistake and that I am owed a small balance. Despite this and despite attempts to get Southwest Credit to leave us alone, reps of the collection agency call us just about every day,

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Debt collection / Other debt

on my credit report southwest credit systems ls is

Southwest Credit Systems False statements or representation / Attempted to collect wrong amount

02/07/2019

on my credit report southwest credit systems ls is saying i owe XXXX XXXX and XXXX is charging me early termination fees and i gave all the eqiupmentand the security cameras a early termation fee too. i canceled XXXX they were over charging me and im shouldnt have to pay this kind of money that i dont have and it has been 3 yrs and its not fair i

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Debt collection / Other debt

On XX/XX/XXXX I received an Alert from my credit

Southwest Credit Systems Attempts to collect debt not owed / Debt was paid

01/31/2019

On XX/XX/XXXX I received an Alert from my credit reporting MYFICO that a New Collection was added to my credit file. I had made a previous complaint BUT may had listed the incorrect collection agency. On XX/XX/XXXX I had placed a complaint with CFPB # XXXX and had placed the complaint against Southwest Collection. This may be the wrong company. I

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Debt collection / Other debt

Today XX/XX/XXXX XXXX XXXX XXXX reported to credit

Southwest Credit Systems Took or threatened negative or legal action / Threatened or suggested your credit would be damaged

01/30/2019

Today XX/XX/XXXX XXXX XXXX XXXX reported to credit bureaus that I opened an account on XX/XX/XXXX. In reality this was an Old XXXX account that has been closed since XXXX. Today I contacted XXXX and spoke to XXXX. He checked this account XXXX and stated account has been fully closed since XXXX, no history nor amount nor any remarks on this account.

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Debt collection / Other debt

SOUTHWEST CREDIT SYSTEMS Has reached a debt I

Southwest Credit Systems False statements or representation / Attempted to collect wrong amount

01/30/2019

SOUTHWEST CREDIT SYSTEMS Has reached a debt I originally had with XXXX in XX/XX/XXXX by dropping it from my credit report and reopening in XX/XX/XXXX to make it look like it was just opened. This has had a drastic impact on my credit report. I have also asked for written documentation since I do not agree with amount. Even after a disputes, they

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Debt collection / Other debt

Sw Credit Systems L.p. reported on my credit

Southwest Credit Systems Attempts to collect debt not owed / Debt is not mine

01/15/2019

Sw Credit Systems L.p. reported on my credit report on XX/XX/2018 this is not m debt and i have never done business with this company I have sent a letter to this company asking them to show me proof that I owe this debt and have received no response

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