Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: OK

Complaint narrative:
This complaint is against Southwest Recovery Services XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Agent involved : XXXX XXXX XXXX : XXXX Toll Free : XXXX x XXXX XXXX XXXX Initial phone call from Southwest Recovery XXXX relayed the debt info, and I explained to her that I didnt believe this was a debt that we owed. She said she would send supporting documents. 



**Documents were never sent XXXX XXXX XXXX phone call from Southwest Recovery XXXX relayed the debt info again, and said that she hadnt been able to send the documents because she hadnt been able to get them from XXXX XXXX group yet ( they were the original creditors who sold the debt to Southwest Recovery ) . I verbally made a request for a validation letter and asked her to keep all correspondence regarding the debt via email. 



XXXX XXXX XXXX email received Email received containing a ledger of charges and a copy of the original lease agreement. 



**Validation letter was not sent XXXX XXXX Response email sent I emailed XXXX to let her know that I still hadnt received the validation letter. 



**No response ever received to this email request XXXX XXXX 2nd email received XXXX started a new email thread PAYMENT NEEDED. Included was a courtesy reminder that a payment was needed to cease action. 



**No validation letter was sent XXXX XXXX XXXX email sent I reminded XXXX that XXXX had requested a validation letter via phone on XX/XX/XXXX, as well as via email on XX/XX/XXXX, and requested for the 3rd time that it be sent. 



XXXX XXXX XXXX email received XXXX informed me that she had responded to my request, and that she informed me that my validation letter was issued to me via email on XXXX ( Note : this date is prior to me asking for the validation letter on XXXX, also prior to me giving permission for written communication ) She stated further that she can not duplicate the letter as it is generated by the system for security purposes. 



XXXX XXXX Response email sent I outlined for XXXX that : A ) I had not received the validation letter B ) explained that the timing she claimed did not add up to our prior communications C ) asked for her to send a dated screenshot of the response she claimed to have made to my request as proof of her communication D ) requested that if she could not provide the validation letter via email that it be sent to my home address, which I included. 



**No response was ever received to these requests. 



XXXX Credit report flagged for collections-XXXX XXXX  XXXX XXXX decrease of XXXX points is noted Dispute on XXXX credit report is filed by XXXX XXXX **Validation letter still has not been provided. It has only been 27 days since any written documentation at all was provided ( ledger and lease agreement ) XXXX Credit report flagged for collectionsXXXX XXXX  XXXX XXXX decrease of XXXX points is noted XXXX XXXX Dispute of Debt email sent Formal written dispute was sent to XXXX at Southwest Recovery with all supporting documentation XXXX XXXX XXXX email received XXXX outlined all of the reasons why my dispute was invalid, and said I have not provided documentation to prove that the placement was invalid. She also said as a courtesy, I am willing to give you a complete deletion of the negative tradeline on your credit if the full balance is paid by XXXX '' XXXX XXXX : :pm Proposal of XXXX XXXX sent I created a new email thread Proposal of debt resolution wherein we agreed to pay {$1200.00} + {$55.00} = {$1300.00} in exchange for a complete deletion of the negative credit reporting. 



A series of back and forth emails to try to explain why the amount being charged was invalid and more supporting documentation was sent throughout this day. 



XXXX No response received from Southwest I began to research my rights under the Oklahoma Laws and found my right to file a complaint with Consumer Finance. 

I am able to provide proof of all above mentioned email conversations as well as phone records upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation