Consumer complaint received 2020-07-08
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Since XX/XX/XXXX Southwest Collections ( for XXXX XXXX ).  Called me originally from this number : XXXX XXXX XXXX XXXX 1 ) Called me and asked me if I was Miss xxxx? I said no. 
2 ) Just overrode the FTC XXXX XXXX with utter rudeness, kept over-talking. 
A ) Claimed I have a bill from XXXX XXXX in Texas for the amount of {$48.00} from XXXX XXXX. 
Informed them I do not have XXXX XXXX. I never lived in Texas. 
B ) Asked me for info, and they claimed " Same name, Same person '' C ) Asked them to remove me off their telemarketing and registered in the Do Not Call D ) Reported them to FCC XX/XX/XXXX - XX/XX/XXXX Began calling me from ( XXXX ) XXXX XXXX ) Robocall - machine is broken 2 ) I  blocked the telephone number XX/XX/XXXX 1 ) Reported me as " MAJOR DEROGATORY '' with XXXX  and XXXX  for {$48.00} Potentially Negative - New Collection XX/XX/XXXX Alert Type : Potentially Negative - New Collection Found On : XX/XX/XXXX XXXX  Alert Date XX/XX/XXXX Balance Amount {$48.00} Is Collection Yes Open Date XX/XX/XXXX Payment Status UNPAID ( D ) Status Date XX/XX/XXXX Name SOUTHWEST CREDIT SYSTEMS , L.P . 
Street Address XXXX XXXX XXXX, XXXX XXXX State TX Zip XXXX Potentially Negative - Major Derogatory XX/XX/XXXX Alert Type : Potentially Negative - Major Derogatory Found On : XX/XX/XXXX A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft. 

Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Source XXXX  Alert Date XX/XX/XXXX Balance Amount {$48.00} Is Collection Yes Open Date XX/XX/XXXX Payment Status Grid Code G ( Collections ) Status Date XX/XX/XXXX Name SOUTHWEST CREDIT SYSTE Phone ( XXXX ) XXXX Business Type YC Street Address XXXX XXXX XXXX XXXX XXXX City XXXX State TX Zip XXXX XX/XX/XXXX - CALLING ME FROM ( XXXX ) XXXX ( SAME COMPLAINT AS ABOVE ) XX/XX/XXXX TO CURRENT ( XX/XX/XXXX ) ANY ATTEMPT TO SPEAK WITH SOUTHWEST COLLECTIONS RESULT AT ANY TELEPHONE NUMBER WILL RESULT : 1 ) WE DO NOT ACCEPT RELAY CALLS OR TRANSLATOR CALLS, WE HAVE TO SPEAK TO THE PERSON DIRECTLY ( CLICK ) 2 ) WENT TO THE LOCAL XXXX  OFFICE ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) AND THEIR OFFICE BRANCH MANAGERS FOR EXPLANATION WHY THEY TURNED ME OVER TO THEIR COLLECTIONS AGENCY. 
3 ) BOTH LOCAL XXXX  MANAGERS AND NOW VIA ONLINE XXXX  CHAT ... ARE AT A COMPLETE LOSS. MY ACCOUNT IS ON THE CREDIT SIDE. 
4 ) 3 MANAGERS DIALED SOUTHWEST THEMSELVES ; WOUND UP TO BE A NASTY ARGUMENT. SOUTHWEST WAS DERAILING XXXX  AND TOLD THE MANAGERS AT SEVERAL DIFFERENT TIMES THAT " YOU'RE FRAUD, I AM GOING TO CALL THE TPD ( TEXAS POLICE DEPARTMENT TO HAVE YOU ARRESTED! '' 5 )  REGIONAL  MANAGER PHONED IN, I HAD ALL XXXX NETWORKS BILLS TO XXXX  SINCE XXXX ... ENTIRE PILE OF BILLS EVERY SINGLE YEAR. HE SAT THERE AND RUMMAGED THROUGH ALL OF THEM. SAW THAT EVERYTHING WAS PAID BEFORE DUE DATE AND EITHER WAS PAID IN FULL OR THERE WAS AN OVERAGE AND IT WAS CREDITED TO THE ACCOUNT TOWARDS THE NEXT BILLING CYCLE. 
XXXX  - XX/XX/XXXX A ) He called Southwest in Texas. They told him that " I '' had an apartment in XXXX XXXX Area, acquired their services and suddenly departed with a balance of {$48.00} ( He asks for info, address, etc ) They informed him they are not allowed to give out information. ( FINE - he went into the system computer and typed all the info out. Finds the woman, and sees the notes that she had gotten married and the account was moved to her spouse 's account at XXXX XXXX. and sees there was an outstanding bill for {$48.00} but it's not mine. And it is XXXX XXXX. ) B ) Regional Manager then argues, that they can not impose their billing on me just because we had the same name. Ordered them to remove " me '' off the account and to delete the Credit Reporting all Agencies effective immediately. 
XXXX  - XX/XX/XXXXXX/XX/XXXX 1 ) Managers and Assistant Managers were aware of my issue. 
2 ) They personally called Southwest themselves. Informed them to cease immediately, remove my info off their systems, effective immediately. 
3 ) Southwest immediately stated that they DID have the right person ; XXXX XXXX  informed them they do not! 
4 ) Southwest agreed to delete and fix everything if they would provide them my " real '' name, account number, address, etc and they would verify if " she does or does not '' have a validated XXXX  account. 
5 ) Managers provided them my information on my account. Southwest then claims " This was her 2nd residency '' in Texas. ( I do not have a 2nd residency in Texas. ) When the local Managers informed them that the person they were looking for was married and under a different name currently. 
6 ) Southwest actually told XXXX that " She's using an alias ''. No, my last name is my married last name, and I do not go by " Miss '', it is XXXX or XXXX. 

XXXX SOMEWHERE BETWEEN XXXX TO XXXX - SOUTHWEST DELETED THE ORIGINAL TEXAS INFO AND IS CURRENTLY USING MY CURRENT ADDRESS. THIS HAS BEEN NOTED WITH XXXX   / XXXX / XXXX XXXX  DIVISION - ALL OFFICES. SOUTHWEST WAS WARNED THAT WAS ILLEGAL. AND APPARENTLY, SOUTHWEST IS CURRENTLY USING MY CURRENT INFO ... THE TEXAS INFO HAD BEEN DELETED OUT OF THEIR SYSTEM NOW. XXXX   MANAGERS DID A RESEARCH AND THAT PARTICULAR MISS XXXX IN TEXAS AND HER OLD ACCOUNT HAS DISAPPEARED. XXXX XX/XX/XXXX BEEN WITH XXXX  OVER THE LIVE CHAT. ORDERED THEM TO TAKE THIS PROBLEM OVER TO THE CORPORATE ( SEE ATTACHED ). THEY ACKNOWLEDGE MY ACCOUNT IS FINE. NO IDEA WHY SOUTHWEST SLAMMED MY CREDIT REPORT WITH MAJOR DEROGATORY. 
All data and info has now been turned over to XXXX XXXX XXXX Corporate Office and their Legal Team. 

CURRENTLY - SOUTHWEST CALLS ME 14 TO 30 TIMES A DAY NOW ... ROBO-CALLING, THE MESSAGES ARE SKIPPING - YOU CAN NOT CALL BACK, IT DOES NOT TAKE INCOMING CALLS. 

+++++++++++++++++ XXXX  / XXXX  HAS BEEN MAILED THEIR " ACCOUNT NOT MINE '' FORM. THEY HAVE RECEIVED IT. ACKNOWLEDGES THAT THE COMPLAINT SOUTHWEST HAS IS NOT MINE.

Company response to consumer: Closed with explanation