Consumer complaint received 2020-03-10
Company: Southwest Credit Systems, L.P.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call on XXXX from an unknown Massachusetts phone number. I placed a call back at XXXX and a woman answered the phone laughing with one of her co workers. I was alarmed immediately at the lack of customer service. She informed me of an account for XXXX  cable in her office. I began to ask some simple clarifying questions in regards to the account. She tells me she can not tell me the date the file was placed with her and that this would be reported to the national credit bureaus. She then proceeded to tell me that I NEED to pay my bill. I felt very abused and felt as though she was trying to force me into paying. This felt very abusive and unfair. This seemed to be a means of deception to force me to pay my bill. I then placed a call back at XXXX to speak with a supervisor to file a complaint and inform her I felt the last agent was in violation. I informed her of the agent laughing and the supervisor places me on hold and comes back and tells me she listened to the call and thought the agent was coughing, this was a blatant lie as the agent was clearly laughing with her coworker with her phone not muted. I asked the supervisor how they handle files when agents violate the fdcpa and her response was that they look into it but the files still remain open and active. I continued to ask about the account and what would happen. I asked her why a company from Texas is calling from a Massachusetts phone number and she says they call with phone numbers based on the state I live in. She knew I lived in Maine which was another lie by the supervisor. I felt as though she did not care at all about my phone call and my complaint in regards to the previous agents violation. I asked to speak with someone above her in the company. She proceeds to transfer me to a voicemail box of the executive relations office. I left a voicemail and was told I would receive a call in 1 to 3 business days. As of today I still have not heard back from that department. So I placed another call today XX/XX/XXXX and spoke with an agent. And once again was shocked at what I was told. The agent told me that this would be reported to the credit bureaus by end of week and that this would LOWER my credit report and that if I disputed the account it would look NEGATIVE on my credit report. I asked the agent when the file was placed with them and she told me on XX/XX/XXXX and that they sent one letter and it was returned as they had an old address. I then asked how many times they had called. She said only the call on XXXX. She then proceeds to tell me they are calling my cell phone on an auto dialing system. So this agency has made no efforts to contact me and has violated the FDCPA in a few ways. They are misleading. Abusive. And seem not to care about regulations or treating consumers professionally and abiding by the FDCPA. I want this file closed with this agency immediately and returned to the original creditor.

Company response to consumer: Closed with explanation