Southwest Credit Systems, L.P. – CFPB Complaint 2018-10-18

Date Received: 2018-10-18

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX account closed in XX/XX/XXXX due to receiving military XXXX, and equipment was returned in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX {$150.00} was paid to cover final bill. Around XX/XX/XXXX SW CREDIT SYSTEMS placed a collections on my credit report for {$140.00}. Phone call was made to XXXX about the collections on the credit report, and they were unable to find a final bill or provide me with details regarding the {$140.00}. The SW Credit Systems were also unable to help and/or find out where this charge came from. The only explanation that the XXXX representative could give me was it could potentially be for an early termination fee, which again she could not prove. Since I am XXXX XXXX military and was on orders to move at that time, I would not be responsible for any early termination fees under the SCRA. I filed a dispute with XXXX multiple times, however, it was unsuccessful, and I still have not been able to receive proof of the charge. It is also not right that I received a collection notice two years after the account closed, and was not given any correspondence previous to XX/XX/XXXX. Had it not been on my credit report, I would have never known about the unknown debt in collections.

Company: Southwest Credit Systems, L.P.

State/Zip: FL

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3050265

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

See also  CAINE & WEINER COMPANY, INC. - CFPB Complaint 2017-08-01

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.