Date Received: 2018-11-27T00:00:00.000
Product: Other debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: This week, I have found SW Credit Systems reporting a collection on my credit report. The reports indicate that they were assigned the account on XX/XX/2018, and that it was reported to the credit bureaus on XX/XX/2018. There are two issues with this account – 1 ) I never received a notice in the mail about this debt.
2 ) Even if I had received a notice, the timeframe between XXXX XXXX XXXX receiving the account and when it was reported would not have left enough time for me to dispute the debt.
Company: Southwest Credit Systems, L.P.
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3084413
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.
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.