Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
This debt started out by XXXX XXXX which has XXXX XXXX XXXX XXXX. This was during Covid-19. I lost my job in XX/XX/2020. I immediately signed up for rental help in XXXX XXXX in Arkansas when help first came out. The county was needing my financial from XXXX XXXX so they would know what I owed. Then I would be eligible for up to 15 months of rental help if needed due to this Natural Disaster. The Links refused to give me the financial for my back rent. And refused to give it to XXXX XXXX. I was denied due to management at The Links. All this time I am going back and forth with XXXXhe County and The Links trying to get this application done. After I was denied due to the management at The Links. Then I had to start all over again due to them not doing what was ask so XXXX cd get rental assistance. By the time i reapplied there were so many applications the county was not getting the benefits taken care of on a timely basis. Then the state took over. As soon. as renters could start evicted I was evicted. XXXX XXXX Then let a collection agency buy my account. XXXX  XXXX and Southwest Credit System ( collection agency ) say I owe {$10000.00}. I have tried and tried to dispute this thru XXXX and XXXX with no luck. This was a natural disaster during this time. I do not think that this should be on my credit as a collection. Because of all this I can't even rent anything from anyone. It's XXXX XXXXXXXX and XXXX XXXX fault I didn't get to receive any rental help. If XXXX XXXXXXXX and XXXX XXXX would have just given me or XXXX XXXX my financial of my back rent all this wouldn't be happening to me. Because I did my part. Now my credit report is awful. Plus I can't get any place to rent to me because of this eviction and debt. I couldn't have done anything about Covid-19 and the natural disaster and loosing my job. I even now have to live with XXXX due to XXXX XXXX not standing by the contract i signed and having my filter on A/C unit having spoors come out of the air ducts. The filters were to be changed y maintenance every month and they would have seen the enormous amount of black mold growing. Which as a result I have to live with XXXX for the rest of my life because of their negligence. I beg them to just please take this debt off my credit report. This big companies taking advantage of a natural disaster that effected the world. That was not our fault and then leave people with a huge debt and not be able to rent a place to live. While giving me XXXX for the rest of my life because they were negligent. My account number with Southwest Credit System is XXXX in the amount of {$10000.00}. How anyone can be able to take advantage of Covid-19 and ruining people 's lives even more is not right. Then make it where I can't rent because of this collection. I don't know how a natural disaster is not sufficient enough on top of XXXX XXXX and XXXX XXXX XXXX XXXXXXXX not turning over the financial of my back rent to XXXX XXXX in Arkansas can be my fault and me suffer because of it. It's their fault not mine. But want to be so sorry to make me look bad, can't rent anything and now have a chronic illness of XXXX due to them being negligent in their business. I did my part to receive help and did my part by reporting the black mold so they could have it taken care of properly. They need to admit their incompetence and free me from the debt atleast. I have to live with XXXX due to their incompetence which I think is enough. The apartment and debt is in my name XXXX XXXX.

Company response to consumer: Closed with explanation