Consumer complaint received 2019-06-21
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My first issue is with South West Credit Systems claiming that I owe an amount of {$88.00} for XXXX. My family and I moved out of the country XX/XX/XXXX and closed this XXXX account XX/XX/XXXX after paying a final bill of {$100.00}. Since the entire bill was paid, XXXX sent an activation code, upon our request, to have our XXXX   unlocked on XX/XX/XXXX. They received an updated address from us as well at that time. We never received any final fee 's due nor did we have an open account with them after XX/XX/XXXX. I went into XXXX physically to understand what the final chargers of {$88.00} could possibly be and they were unable to provide me with any information besides showing me the bill of {$70.00} for the months of XX/XX/XXXX - XX/XX/XXXX. When I called the collections agency in regards to this amount, they were also unable to explain the details in regards to this collections. XXXX is the only credit bureau that has not removed this inaccurate collections from my credit report and refuses to do any further investigation beyond taking the word of a debt collector that can't even explain why an amount was collected. I have gone back and fourth between XXXX customer service and South West Credit Systems on who I have to speak too, to have this inaccurate collections removed. I have mailed in hard copies of the final bill I paid, the XXXX unlock code email, and the bill they allegedly state that I owe after the date I closed the account, to South West Credit Systems. 

My second issue is with XXXX on a collections in the amount of {$58.00} that was sent to collections by XXXX Apartment complex from XXXX, AZ. XXXX apartment never sent us the outstanding balance after we moved out XX/XX/XXXX. I did however reach out to XXXX XXXX to verify if we owed any remaining balance and how they would be able to take payment since we were already overseas. They were even contacted by our next rental property on XX/XX/XXXX in XXXX to verify what our new landlords requested and I still did not receive any type of information in regards to any fees due. When I try and dispute this through XXXX, they put me through the same process of calling the debt collectors to have this removed. When I called XXXX XXXX XXXX, they stated they have no records of a collections from XXXX apartment. This amount has also been removed through XXXX and XXXX as well. XXXX   doesn't seem to change their minds regardless of having documentation to back your case up. 

I am not sure where to turn to at this point because I will not pay for an amount I know I do not owe. It's unfair for me to have to play a back and fourth game when the original senders of a debt no longer keep records of anything after it's sent to a debt collector, nor is it fair that they are not communicating these amounts properly before sending them off to collections. I also do find it unsettling that a debt collector and agency that submitted the debt can not explain the reasoning behind an amount allegedly owed. What tops it all off is when you are trying to dispute this over the phone, you're responded with prompted statements, making it clear that you're not even being listened too. I have always done my best to keep up with everything I owe and learning along the way since I am only XXXX years old. It seems as though credit is just a game to the ones who possess the power behind it while we as the consumers run this rat race.

Company response to consumer: Closed with explanation