Consumer complaint received 2019-08-09
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've been a XXXX customer all my life and still am now. After living in a home for 2 years and having a 24 month contract with XXXX, I called them on 7 weeks before my move on XX/XX/2019 to schedule the close my account at end of XXXX. After finally speaking to a XXXX rep who honestly told me I was just out of my 24 month contract terms on XX/XX/2019. Since I was moving at end of XXXX, I agreed to go ala carte, no contract for the next few weeks. My billing cycle was thru the XX/XX/XXXX, so I paid in advance thru this date and that is the time the services were scheduled to be cancelled. Since out of contract is at a higher rate, I eliminated many channels to manage my bill. I immediately returned their equipment. I called XXXX many times to insure my account would be closed at end of XXXX and that I had a XXXX balance and each time the XXXX rep confirmed this information ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I received many emails from them saying my account was closed, asking me to come back as a customer, offering me new deals ( I have the emails ). Two months later, XXXX sent me one bill with an early termination fee of {$130.00}. I had a credit balance of {$12.00}. I made several more calls to XXXX on XX/XX/XXXX and thought the situation was resolved. Another two months On XX/XX/XXXX, I received a call from a collection agency!!! The amount owed was {$100.00} so XXXX made some deductions. I put amount was put in dispute. I have superior credit, all my life. Immediately called XXXX, put the amount in dispute, spoke to XXXX, and he said that XXXX put me in a new contract without my consent. Agent agreed that I would not have entered a new contract for 2 weeks when I was moving. XXXX agent said he would speak to his supervisor and it would be resolved. Another 2 months, and today XX/XX/XXXX, I had a fraud alert from XXXX XXXX that my account was put into collection on my account at both XXXX XXXX and XXXX. I've never had an account in collection in my life!! XXXX again!! Im currently looking into a loan and this will have a major negative impact. Also, Southwest did not list these as a disputed amount on my credit bureau. In 6 months, I've had one bill from XXXX and one phone call from the Collection agency. This is damaging my credit ; how can they put this on my credit bureau when it is in dispute and XXXX keeps telling me this is resolved. Predatory practices, harassment, 14 plus hours of my time, it's like dealing with the mafia. And I'm still a XXXX Customer, but they are charging me for early termination. Please Help Me!!!! ( I'm attaching my bill from XXXX showing I was in a 24 month contract, I lived in the home 2 years and was moving at end of XX/XX/2019 ; several emails from XXXX that my account status changed after my XXXX call - decreased channels, my account was cancelled, XXXX made offers to keep me as a customer, that I returned my equipment ; bill from collection agency ; notification from XXXX that this bill is showing as delinquent on my credit bureau report. ) All these documents were sent by me to southwest credit and received by them on XX/XX/2019. Ask XXXX to send recording of when I agreed to be put in a new contract.

Company response to consumer: Closed with explanation