Shelby Jackson-Register

Review of SOUTHWEST CREDIT SYSTEMS

Horrible collection service. I moved from our home...

Horrible collection service. I moved from our home and canceled an internet service provider service. Because the ISP did not provide service in the area to which we were moving, the ISP waived their cancellation fee. It was not until SWCS started calling me that I even knew the ISP never waived the fee. I contacted the ISP who informed me that they decided against it.

I asked SWCS to verify the debt by sending me some form of documentation (something they were supposed to have done within a week of contacting me). It has been five months, and I am still waiting. In the meantime, SWCS calls my cell phone multiple times during the day, all from different numbers. When you perform an internet search on the number, it comes back as a pawn shop for one and an assisted living home for another. This is called "caller ID spoofing" and is illegal. When you call back the number, you hear music and are asked to please wait for SWCS next available.

While I have yet to receive the verification of debt documents from SWCS, they have called two family members three times and have asked to speak with me. I am thirty-three years old, and my family members live several hours away. They ask to speak to me. My family members ask who is calling, and they just repeat that they are calling to speak to me. Well, I haven't lived with those family members in sixteen years. They have my phone number, and they have my mailing address: both were provided in my written request to validate my debt. They are required to respond by law.

Although they have received my request to verify my debt as well as to cease communications with myself and third parties until they have sent the documents, they continue to harass and call from spoofed numbers.