|
11405653
|
2025-01-06
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
|
|
6521732
|
2023-02-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2023-02-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-06
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5995126
|
2022-09-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
i have a collection account on my credit from XXXX XXXX XXXX that i have disputed several times because i never had an account with them, despite that after futher looking and investigating i found out this may of came from a service provided call XXXX XXXX XXXX who seeked out to me for a debit card reader for my business. I recall reaching out to the original point of contact XXXX and recall telling him several times i had no need for device and also never used it, he informed me several times he was taking care of this issues, since its been placed on my credit i have reached out to him many times so he can resolved this issue as he always stated he would take care of, I have left many messages and emails regarding this for over a year at this point, I NEVER USED THAT DEVICE for he knows i was in hospital for months with covid and kept relasping... this is unfair to me for I attempted resolved this matter several times, when i reach out to reporting agency they are still stating its my debt and nothing they can do and the staff not friendly at all ... .I NEED THIS TOOKEN CARE OF!!!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5717717
|
2022-06-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
|
| Consumer Consent Provided |
Consent provided
|
|
|
5638745
|
2022-06-06
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2022-06-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XX/XX/XXXX, I signed a XXXX-year lease for a residential property in XXXX, Florida. This property was leased directly from the property owner. Shortly after, the owner turned the management of the property to XXXX XXXX XXXX. I ended the lease after 9 months because I purchased a home. Upon termination, I returned the property back to the management company according to the lease agreement. However, the management company charged me for things not required under the original lease agreement. These charges included professional carpet cleaning and professional house cleaning. I also provided photo evidence of the propertys post-move-out condition and disputed the charges. The management company refused to correct the charges. The total amount in dispute is {$850.00}. This account was eventually turned over to a collection company. The collection company is Southwest Recovery Services. Over the past 2 years, I have contacted the collection agency and disputed the charges with evidence to no avail. My last written correspondence was on XX/XX/XXXX. I have also disputed the charge directly with XXXX. This too was unsuccessful.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4785152
|
2021-10-06
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-10-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report.
Collection Creditor : SOUTHWEST RECOVERY SER
|
| Consumer Consent Provided |
Consent provided
|
|
|
3966276
|
2020-11-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2020-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My business ( XXXX or XXXX XXXX ) closed over 2 years ago. When we closed it, all debts were paid ( not a bankruptcy ) and every company we contacted was told to close any accounts and we confirmed XXXX balances. XXXX XXXX was the credit card processor and they confirmed the account was closed with XXXX balance. About a year later, I noticed Southwest Recovery Services out of XXXX Texas had an approximately {$300.00} debt owed and late payments on my personal credit report for the entire year. I contacted them and XXXX XXXX and neither could provide proof of debt. My dispute through XXXX yielded the same result - no evidence of debt. After months of trying to get proof of business debt for a closed business, and repeated calls ( many were never responded to ), I still have been able to get proof of debt. Today, I finally reached someone at XXXX XXXX XXXX ( credit card processor ). The first person there said the account wasnt closed properly on their end and they were charging over {$50.00} per month fee even though the account was not being used and they confirmed XXXX transactions for 2 years. They then transferred me within their company and they said they shoed the account as closed and turned over to Southwest Recovery Services collection agency and had no proof of the {$300.00} debt or any additional debt. Therefore, XXXX XXXX is clueless within their own organization on the closure of the account for my closed business and they cant prove the debt because they sold it to Southwest Recovery. Southwest Recovery cant prove the {$300.00} or any debt because they rely on backup evidence from XXXX XXXX which they dont proof of either. Somewhere in the middle is a mysterious company called XXXX XXXX XXXX that also shows up. Since this account was closed with XXXX XXXX XXXX XXXX XXXX balance and none of these companies have proof of the debt ( as well as this was tied to a closd XXXX XXXX from over 2 years ago ), this should be removed from my credit report, all late payments and debts should be immediately removed from all my personal credit report, and they should mail confirmation of these actions and no debt owed. Thank you for helping stop this fraudulent extortion being performed by these unscrupulous companies. How many more victims out there? Seems like a shell game that warrants a class action lawsuit ...
|
| Consumer Consent Provided |
Consent provided
|
|
|
2791470
|
2018-01-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-23
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Consent withdrawn
|
|
|
2249485
|
2016-12-14
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-15
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Complaint What Happened |
I leased a house rental property lease dated XXXX/XXXX/2016 and I terminated early because I lost my job and had to relocate for a new XXXX. Although not a reason to justify early termination, Under Texas XXXX ( XXXX. XXXX. XXXX XXXX. XXXX ), " if you do n't have a legal justification to break your lease, your landlord must make reasonable efforts to re-rent your unit -- no matter what your reason for leaving -- rather than charge you for the total remaining rent due under the lease. You need pay only the amount of rent the landlord loses because you moved out early. This is because Texas requires landlords to take reasonable steps to keep their losses to a minimum -- or to " mitigate damages '' in legal terms. '' I moved out on XXXX XXXX, 2016 but paid rent for XXXX 2016 ( through XXXX/XXXX/2016 ). I notified the property management firm on XXXX XXXX, 2016 that I vacated the property and to please re-lease it. The property was listed for rent by the property management firm on XXXX XXXX, 2016 and was successfully leased beginning XXXX XXXX, 2016. I should not owe any rent money for breaking the lease since it was rented immediately and there was no loss of income.
Since the property management firm re-leased the property immediately, all I would be responsible for is the amount of time the unit was vacant, which was already paid by me when I paid XXXX rent.
Now I have a collection agency trying to collect a debt of {$16000.00} which in my calculations is the remainder of the lease.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1975916
|
2016-06-20
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to/Collected exempt funds
|
| Sub Product |
Payday loan
|
| Date Received |
2016-06-20
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-20
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
N/A
|
|
|
1857461
|
2016-03-30
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-03-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8026209
|
2023-12-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2023-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-19
|
| Complaint What Happened |
I recently discovered that my personal information was unlawfully used to rent property in my name without authorization. Furthermore, multiple unauthorized credit card inquiries were made using my identity. These fraudulent activities have not only caused financial distress but also compromised my privacy and security. I have taken immediate steps to report this identity theft to the relevant authorities and have contacted the affected institutions to address these unauthorized actions.
southwest recovery ser XX/XX/XXXX {$47000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2200436
|
2016-11-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-28
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Complaint What Happened |
SOUTHWEST RECOVERY has not provided proper validation of the debt and they continue to report to the credit companies. SOUTHWEST RECOVERY is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7559779
|
2023-09-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-09-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-10
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
I use to own a restaurant in XXXX ( XXXX XXXX ) I used to use XXXX credit card reader from XXXX XXXX XXXX, I use this company for only XXXX month and after I separate from this company due to dispute and other XXXX. After the separation they asked me to return XXXX of the credit card reader in which I comply and kept the other XXXX in my garage ( collection dust ) because they say to me they don't need it I still have the tracking number. After a wile ( 1 years ) i find out out of the blue that the company put me in collection for something that I don't even know sop I start to call several time for several months ( like XXXX to XXXX ) and ask when I was in collection, they can't explain why and few time they told me that it will be resolved asap I wait an-other r month and nothin happen I call again and after hours of conversation they told ma again it will be resolved in few days, month pasty and nothing yet, I called again and again with people that can't even understand what going on until XXXX XXXX from the company tell me exactly what happen, the reason was that I need to return the other XXXX device which I did it again I XXXX the receive for this item and I called to let them know that the devise was sent. few weeks passed and I'm still in collection, I ask the collection personal and I asked them why they do not remove me even after I send those item, they replay and say Because .... I DIDN'T SEND THEM AFTER 10 DAYS!!!! with my surprise I told them that I spoke with the company and they suppose to take care the problem but they didn't. At this point I don't know what to do anymore because I comply with everything they ask me, but I still in collection, and I believe those 10 days the where written in a fine print that I can't even read.
thank you
|
| Consumer Consent Provided |
Consent provided
|
|
|
2200729
|
2016-11-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
SOUTHWEST RECOVERY has not provided proper validation of the debt and they continue to report to the credit companies. SOUTHWEST RECOVERY is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7124293
|
2023-06-15
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-15
|
| Complaint What Happened |
I am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a XXXX XXXX on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history.
Upon reviewing my credit report, I discovered that a XXXX credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile.
I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities.
Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required.
I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue.
Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8500717
|
2024-03-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-03-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-07
|
| Company Public Response |
Company can't verify or dispute the facts in the complaint
|
| Complaint What Happened |
Southwest Recovery Services at XXXX called me multiple times about a fraudulent account in my name. They say I owe {$6300.00} for an account with XXXX XXXX XXXX. I never set up an account and I told this this is identity fraud. I reported it to XXXX and XXXX. My record of payments for debt is perfect and I will not pay for identity theft. This started in XX/XX/XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10086980
|
2024-09-11
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-11
|
| Complaint What Happened |
Southwest Recovery 's keep reporting open balance on my credit and is illegal to report a collection account as open account please remove this information from my credit report.
ALSO CHILD. Support WAS CLOSE AND STILL SHOWING UO AS A COLLECTION
|
| Consumer Consent Provided |
Consent provided
|
|
|
3086532
|
2018-11-29
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2018-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-29
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
They are falsely claiming damages above normal wear and tear ( i.e. range pans, light bulbs, blinds over, sink sprayer over 10 years old, paint, etc.. ) when the home was occupied for a 4 year time frame. Each inspection I advised and had inspector record the following complaints : dishwasher never worked, request to replace/clean carpet, request to fix closet doors and shelving. The keys were returned. The tenant was unable to get in contact with XXXX XXXX- property manager because she had quit and no new property manager was assigned as end of lease was approaching.So there was no one to notify that I was moving which is why there was no eviction or lawsuit filed. There was no one to do a walk thru with me. They just sent this letter saying I owed. When I received the letter I called the new property manager and she said that many people fell thru the cracks when the property manager changed hands.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7060387
|
2023-06-02
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-02
|
| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
|
| Complaint What Happened |
I submitted certified and notarized documents to each company via USPS mail. These companies are replying back that that have not received proof but some one from each company has signed off of the documents that were delivered. I have also filed previous complaints against these companies. I have uploaded documents to this website the same documents that were sent to each company as proof of the accounts not belonging to me. These companies have not sent out any verification in any form as proof that these accounts are mines. I am proceeding these matters further in civil court if not removed in 14 days.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8033100
|
2023-12-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2023-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-21
|
| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10472483
|
2024-10-16
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7881906
|
2023-11-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I contacted a Southwest Recovery Services representative [ XXXX ] on XX/XX/2023 I ask the representative about a debt showing in my XXXX XXXX application and she said I owed [ {$1300.00} dollars ] However, I do not owe that debt. My information was stolen, I already filed a police report see attached and I initiated a dispute with the major credit bureaus and Southwest Recovery Services ( Debt Collection Company ) In addition I added a fraud alert to my credit report.
This account numer [ XXXX XXXXXXXX Texas ] was opened by a cyber criminal who stole my personal information therefore, I am a victim of identity theft and I am not responsible for this debt.
Nobody from SW recovery services has contacted me yet. I havent received any verification letter following the rules by ( FDCPA ) act.
Please forward this police report to Southwest Recovery Services and help me fix this nightmare asap. I've sent XXXX more emails containing proof in XXXX format of my Federal Trade Commission and IC3.gov Identity theft reports. I hope you find this information helpful and feel free to contact me if you need any additional information.
This was XXXX of many emails that I sent to both companies, the electricity company XXXX XXXX XXXX Texas and the collection company called Southwest Recovery Services. Today XX/XX/2023 The collection reporting to XXXX that my credit is past due and this derogatory marks are destroying my credit score. Please assist me with this matter Thank you, Sincerely, XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
7434563
|
2023-08-21
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Private student loan debt
|
| Date Received |
2023-08-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-29
|
| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
|
| Consumer Consent Provided |
Other
|
|
|
7089467
|
2023-06-08
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1911914
|
2016-05-05
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-05-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-05-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2878493
|
2018-04-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Payday loan debt
|
| Date Received |
2018-04-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-17
|
| Complaint What Happened |
I recently send this debt on my credit report from this company, stating I owe {$710.00}. I did contact them in regards to this issue spoke with a gentlemen and I advised him that I did not take out a payday loan inXX/XX/2013. Advised rep if a payday loan was taken out inXX/XX/2013 then why 5 years later I am being notified of this issue on my credit report. The representative became very rude and told me I owe this money and need to pay. I ask him how can they verify it was my loan, rep then stated it was verify by e-mail and a bank account that was closed due to fraud. I did ask them to send me something in writing that's valid I took this loan out, the representative refuse and told me to dispute it with XXXX and XXXX. Advised him I will then he stated even if I do he will verify it was me so I have to pay something that doesn't belong to me. This company is a third party collections agency trying to collect money that isn't owe. He stated he was taken out online which anyone can do. They are very rude and disrespectful representative. I am a single mom who doesn't deserve this. There is no factual proof that I took out this loan and they couldn't provide any. The representative also advised they will take me to jail if I didn't pay. This is against Fair regulation Act. I never took out a loan and there is no solid proof, the bank account they're referring to was close for fraud which I told the representative that.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1036428
|
2014-09-19
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
I do not know
|
| Date Received |
2014-09-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-09-25
|
| Consumer Consent Provided |
N/A
|
|
|
7022272
|
2023-05-25
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-25
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4008730
|
2020-12-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2020-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-14
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
Southwest Recovery Services at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has a collection reported on my credit reports for the amount of {$8200.00}. I never did any business with Southwest Recovery Services. I don't know who this company is. I've never signed a contract with this company for anything. Ive never given permission verbally or in writing to anyone to pass my information to this 3rd party that Ive never heard of.
|
| Consumer Consent Provided |
Consent provided
|
|
|
770661
|
2014-03-20
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Southwest Recovery Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was discharged in bankruptcy
|
| Sub Product |
Credit card
|
| Date Received |
2014-03-20
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-03-20
|
| Consumer Consent Provided |
N/A
|
|
