SOUTHWEST CREDIT SYSTEMS Review

Worst most erroneous CC agency Ever
I paid a claim my ex-wife illegally created from ATT in December 2015, 6 months later I see another collections on my credit report and find that another company is coming after me for a settled account. Had all my info wrong, could not be more angry at the total lack of idiocy or damage they are doing to good people whom mind their bills!!!

Customer Service is absolutely awful. They would not help me in regards to making a payment on a bill for my mother. The guy was hateful from the moment he said hello and had an attitude at the very beginning. The bill is for my mother that is in treatment and is sick he said that if she didn't call herself to pay the $80 that was due then it would go to the next course of action. I wanted to pay the bill for her since she was not able to do it for herself. I don't want information on it just to pay it. He just kept cutting me off and refused to help. So now I have contacted BBB and a lawyer. Unbelievable!

this is a scam phone shop, debt collection, I doubt it, more like trying to scare the ignorant into their phishing scam!

will not stop calling after i requested to have them take me off the list. I've never even dealt with this trash company before.

COMCAST used this company to collect a nonexistent bill from 10+ years ago. Avoid this company and COMCAST. I successfully disputed their bogus claim.

They suck. They are highly shady and are a scam and they cant confirm information call the person they say you owe do not pay them payments do not match. They cant even confirm who works for them which sounds like a scam and these people should be reported and shut down!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

They call from local numbers every day but I don't owe anything that has gone to collections. This feels like harassment!!! These people suck.

This organization is vicious, rude, unprofessional and INACCURATE. They intentionally keep things on your record that are NOT TRUE. BEWARE OF THESE SCAMMERS!!!! report them to the BBB and consumer affairs ASAP. They wrong everyone!

Called to take care of an account. Got through right away, the customer service rep was very helpful and so was the finance dept. not sure what all the negative reviews are about. If you have past due accounts, pay them :)

They call everyday, early in the mornings and late at night. I block them everytime and then they call from a different number. I told them I didn't know what they were talking about but they keep calling saying nothing when I say hello then hanging up. If I knew it was them I wouldn't answer but they call from different numbers each time..total harassment!

I recieved a bill in the mail claiming a past due balance from NTTA for a vehicle that I have a toll tag on with an up to date balance. Definitely a scam.

WORST company ever ! I had a old Time Warner cable bill they had me making unnecessary payments that s wasn t even towards my credit these people need to be SHUT down !

I've been working extra hard on my credit score since we are buying a house in the future. I monitor and check my score frequently. These people, Southwest hit my report for an old Comcast account that has been paid,closed and removed from my report already. Credit score dropped 40 points because of that hit. How are they getting away with this?! Apparently by these reviews, calling them directly is like pissing in the wind...I disputed with the bureau's, but is that even going to fix this?

Worst collection agency ever I was offered a settlement for a account with AT&T back in March I agreed to the settlement and paid as agreed I finished my agreement off in May now a few months later I see an offer with AT&T that I want to get and I figure I'm all paid up I'll try it Iong story short I get on the phone with AT&T and it shows only half my account was paid explain to them I made an agreement with Southwest credit systems and there I was under the impression that account was taken care of only to find out that the portion I paid only reflected half of what was owed. I called Southwest credit systems back and explain to them what was going on the person I spoke to was not much help at all I ask to speak to a manager I was transferred kept on hold for about 30 minutes finally got the voicemail of someone left a long voicemail and never got a response back I will be taking this to the Better Business Bureau and whoever else I can take it to it I can take it all the way to the top I will because this is not the way to do business I understand I was at fault for not paying but when I finally did decide to pay I was giving false evidenc and should not be accountable for the false information that was given by one of there employees. I figure if u work there you should know what you are telling people.

Definitely a scam. They are telling me I have a past due debt with at&t, I asked if I called at&t directly would they be able to tell me why I owe them something like 50$. They would not give me a direct answer and told me they have just got my debt past over to them yesterday, yet they have been calling me for months.

Is this even a real company? I had one man hang up on me after I asked him where he was calling from, and when I called them back, I spoke to a woman who insisted I just "look them up online." Conveniently, their website is down. I asked for my number to be taken off their list, and haven't heard from them since.

Horrible place to work they dont give raises and the culture sucks the ceo and vice president just look at like ur nobody Dont work here please find something else Please...Lots of Screaming on the floor no growth either go look for something else for the pay just go to indeed and look and spend time looking for something else Dont Work At this place horrible why would u work at this place and executives dont speak to you what so ever company is trash ask anybody that works there the turn around ratio is very high. To letting people go.

Offered to settle an old account which started at 88.00 now over 400 they wanted no part of resolvingit, just want full amount then they reset the clock back to my credit report give them 0 stars if possible what a @#$%^ group of people

My personal cell phone is disconnected, so I upload a free app that you can make and receive calls and texts. Like 5 mins after i signed up these people was calling ever sense from a different number everyday all day and the funny thing is that all my Bill's are up to date

I dont know why people rated them this bad . This people are very helpful and knows what they doing ! They dont sound scam at all .

They called me asking me to verify my identity using an address I haven't lived at in over 4 years or a license plate for a vehicle I paid cash for originally and sold over 3 years ago. I keep a close eye on my debt and I have years and years of nothing but on time payments so I will be watching for these scammers to try and pull something.

I checked my credit report and seen that this company has a 700 plus charge on me. THEY HAVE YET TO CONTACT ME AND TELL ME WHO THE HELL THEY ARE AND WHY THEY HAVE A COLLECTION ON ME. VERY UNPROFESSIONAL. HONESTLY, WHO DOES THE PAPERWORK AROUND THERE?

Bunch of criminals and liars. Trying supposedly to collect on a Verizon wireless bill and I never had Verizon wireless. Reported them to FTC. Also calling me at 530 am? Totally illegal. I got the last laugh reporting them for fraud. Got my email address somehow and I had to block them.

Asked for a pay to delete, received a closed trade, would of been better off not paying had I known I was getting lied to. Don t bother, waste of time, rude, and harassing

I was contacted repeatedly by this company regarding a debt owed to Comcast Cable by another man with the same first and last names, who lived in Grantham New Hampshire. Nothing regarding the case should have led them to me. The account number didn't match, middle name, state of residence, driver's license or mailing address! At the time, I had two current accounts with Comcast and they were unable to tell me why I was getting collection notices from Southwest Credit. So, when I finally called them after receiving a couple of letters from them, I fully expected them to see that I was not their man! However, they refused to stop reporting this account against my credit and my rating fell from 794 to 698 within about a year or so. I was adamant that I would not allow them to shake me down. I literally spent near 20 hours on the phone with both Comcast and Southwest Credit Systems and was not able to get anything done with them. I had to contest the information with the credit bureaus before anything was done after about 2 years. I despise this company because I feel they are just criminals looking to shake down anyone they can and do not care if they have the right person or not. They are simply looking to make a quick buck. I'm shocked our government lets companies like this operate!

These are the rudest people I have EVER had the misfortune of dealing with via telephone! I tried leaving no stars but in order to post you have to give at least one. My "debt" is for a T-Mobile bill that was paid in FULL. I transferred my phone number to a new carrier over a year ago. That is only possible if your account is in good standing. My bill was $60 per month through T-Mobile. The day my bill was due, I paid it at T-Mobile then immediately went and changed carriers. I owed them NOTHING! Ultimately they had to 'OK" my number transfer to the new carrier and only do so if you are holding a zero or POSITIVE balance. SW Credit refused to accept proof through reciepts or check for proof of number transfer. The rep only hammered me about payment while his fellow call center thugs carried on with clapping and cheers of laughter in the background! UNPROFESSIONAL HACKS the whole freakin lot!!

A person called me didn't give me a name but had my address and told me it was a personal matter so I told her I am the person so if it's a personal matter than what is this regarding and she told me she couldn't tell me in an attitude so I hung up never once told me what it was about so it gave me red flags but from Texas and I'm from Mass

Same as several other reviews. They pursued a claim that I had provided documentation on supporting I never owed the money. It was with AT&T Uverse which has to be one of the most disreputable companies I have worked with. For 3 months in a row they told me they would fix my bill and I had the chat transcript to prove it yet every month the tried to increase the bill. When I took the equipment back, the UPS counter person says he hears that a lot. Jeff

Hate hate hated the customer service.. Totally oblivious, unwilling to open their ears, and never give accurate information

I've only had one account in collections and this was for a $3,000 At&T bill. My account had been moved from one agency to this one. They called saying I owed 224.00 and I owe 200.00. I never accepted any other fees. They said 200.00 would be fine I told them to call me in two weeks. They never called or left any messages and left a derogatory mark on my credit.

These people suck at their job. They have been told they have a wrong number for 2 years. They call late Sunday night, and their systems can't take messages. I think a harrassment suit should outweigh whatever debt they're after.

Be very careful about scams from these types of companies. They have a website, telephone, address, and everything as if it were real. We receive a letter as if it were real. but what they did fail is that they do not give details of where the debt originates. So you think you have debt but it is not real. You have to be on the record that if you have a debt, all the original details of the debt are important. So the letter omits those details. BEWARE of fraud.

They've been sued several times and lost. Just got off the phone and the said if i wanted to file a police report then fax it to them they'd look it over. Police wont take a report on them placing a debt on my credit report, they referred me to the FTC.

first of all.. southwest credit systems.. you do NOT harass (call them after they have blocked your number and remove them from your call list) someone and the turn around and tell them to hold their tongue because you can t handle the heat.. I m not playing today.. LEAVE ME ALONE!!!!!!!!!!!!

This is the second time they have showed up on my credit report. Both times the numbers were different. They re a scam don t pay them.

They had my old address on file (I hadn't lived there in 4 years), but they were like 'oh, we mailed you something the other day' and then they wanted to take a payment over the phone. They didn't want to update my current address and mail anything to me at my actual address! And they're freaking illiterate! Apparently Philadelphia is now Philbeldcia

they did right by me and helped me I have no complaints was shocked they assist me with such care for being a collection agency

Collection of a debt that isn't owed is FRAUD. I've reported these crooks to the state attorneys office and CFPB and BBB. Let's see

1) I noticed they reported something that isn't mine 2) when they called me, they would wait til I answered then hang up w/o saying anything. 3) when I got ahold of a live human, she was completely incapable of helping me, or transferring me to a Supervisor or putting me on hold while she talked to her supervisor, hence I heard supervisor say "just hang up on her." MORONS

Never heard of this company
Tried to get my information over the phone, but I do not give my social over the .

Received a final bill (the only bill I received) from Comcast / Infinity after cancelling their service on a Wednesday. Southwest Credit Systems called me the NEXT DAY saying I was late on paying the bill! Wow. I explained that I was going to pay the bill the next day, Friday but they were very rude. I hung up and called Comcast / Infinity and told them what happened. The first Comcast / Infinity representative said I could pay via credit card BUT IT WOULD COST $5.00 EXTRA. INSANE. I called a second representative and she was helpful and accepted my credit card payment and did not charge me $5. I had her send me an email confirming payment. On 8/8/2015 I got a bill from Southwest and sent the payment coupon back with the email confirming payment. It will be interesting to see what happens. In any event, I will NEVER EVER use Comcast / Infinity again. Incidentally, when I turned in the modems and cable boxes to Comcast / Infinity about a month earlier when I actual cancelled service, I was assured I would receive a final billing shortly. When I did not get one after about a month, I stopped back at Comcast / Infinity and the representative assured me I did not have to pay the final bill until I received the final invoice. Comcast / Infinity obviously has a serious communication problem between its service offices, telephone representatives, billing office and its collection agency. Now they have managed to ensure a long time customer will no longer communicate with Comcast / Infinity.

Telemarketing scam who calls just to get personal info from you

Illegal scam company that attempts to collect debts out of thin air.

If you tell them to stop calling you...it's the law, they have to stop calling you. They can still mail you...but the calls MUST stop. If they don't stop calling you after you ask....do what I did. Call Lemberg Law. They wouldn't stop calling me back in 2015 and I got a settlement worth thousands. This was over a $40.00 comcast bill. I had proof the bill was paid, that I cancelled comcast and switched to verizon...but they wouldn't accept it. Their loss. Sounds like they still are up to their old tricks but maybe most people don't know that what they are doing is against the law. Educate yourself! They must have called me over 1000 times and they paid for it dearly. Very important...keep a journal of all calls. Date, time and phone number shown on caller ID. These details are important.

I was flagged on my credit and I've never even had a call from them!

They think people will just pay them money on bogus debt accounts. They have no proof on debt because they use old accounts. Don't pay them anything dispute their collections until they show you hard core proof.fraud company

funny, tried to pay mi owed bill and they dont take discover debit card as a method of payment... please.. smh

If you have to give personal information over the phone before knowing why they are calling you, I m pretty sure it s a scam. The person over the phone was rude as well.

they won t stop calling me help me help me i get spam calls everyday

They will just put a collection account to anyone's credit without verification if it. Fight them!

Would not let me speak, did't mini mirandize me. Gave 3rd party information. Fraud Fraud Fraud. I have it all on recording though. Go to the CFPB and file complaints.

They have no proof that I owe an alleged debt that they claim I owe. I have given them multiple chances to cure, they are committing a criminal act against me and THEY KNOW IT.

Scammers that use wardialers to repeatedly call targets from different local numbers. This company willingly violates collection laws / practices in order to try and meet the bottom line. The only legal recourse is to mail them saying to stop contacting you, and legally they must abide but likely wont. (Make sure to send it certified so you can prove they received it)

These people are the worst! They constantly harass me! Every day they call me! I already set up a payment plan with them and they harass me every day to pay it even though I set up a monthly payment plan!

I was employed a short time at this company,and I'm very glad it wasn't a fit for me. Unorganized and NOT enough training and very unprofessional to humiliate students in class. SWC you need to do better and the trainer for the facility I guess finds joy in letting everyone hear each other's call in the classroom. This is a horrid job for just 12.00. This place isn't worth it. Thank u Jesus,for steering me away.

Horrible, just horrible. They called me and said I owe Verizon Wireless $230.00 and they are the debt collectors. When I question what I owe them for and from when, the collector could not answer. I immediately called Verizon and they disagreed and said I do not have an past due or outstanding account with them. The Verizon rep says it maybe a scam and not to give any of my information to them.

This company has called me daily for 6months. I have no idea who they are, never done business with them, and before I verify any information for a foreigner he needs to tell me who he is and what he wants. Anyone can get name and address off of Google. . .

I called to take care of a debt that popped up on my credit, the women that answered the phone was very rude & I ended up just ending the call with her. I will try again to pay my debt with this collector, won t tolerate rude people especially when I m the one reaching out to rectify an issue.

Worst company ever I suggest if you get A call or A bill , pay the COMPANY that you owe...not SW credit they make money for collecting off of you! That's why the reps are so rude all they care about is making commission off of your payment.

These jackasses call me at least once a week from different phone numbers while I'm at work to leave me messages regarding an "outstanding debt" that doesn't actually exist. When I call them back they look up my phone number and tell me that I'm not in their system, that I don't owe any debt, and that the call must have been a mistake.

I have repeatedly told them to take me out of their system and stop calling me. Every week they tell me I'm not in their system...therefore they can't take me out of their system...but reassure me I won't receive any more calls.

They have probably called me at work 30 times at this point...but blocking their number does little since they are constantly changing phone numbers.

Even for cold-calling scammers (which I assume they are) this is pretty bad...would you cold call the same person 30 times if they never gave you money? Do they think the 31st time is going to be the magic number?

THEY HAVE AN ACCOUNT THAT WAS PAID OFF 2 YEARS AGO AND THEY EVEN SAID THEY DROPPED IT BUT IT IS STILL ON EQUIFAX.

I spoke to a CSR by the name of Aliyah, she was very understanding of my situation. The process went really smooth from start to finish. I was kind of discouraged to even call this company, due to so many bad reviews. This is only the beginning, so I will see how it goes from here.

I've been going back and forth trying to dispute a Comcast account on my account in collection. i submitted a fraud packet and dispute file. and i have yet to receive any response. Even though,
I am not responsible for that account. They are completely unhelpful. every question i asked them they did not know the answer to. and now im stuck with this false account on my credit. they suggested i just pay it to get it off of my credit but its not my account. This is a terrible establishment.

I have a $23 late pay on my credit report for this group. They cant pull an account up for me With my name, address or last 4 of my social. They keep asking me for my entire SSN# What kind of scam is this?

They are trying to collect on my TMobile account that I closed and was told I had paid in full on person at a store. Based on the reviews looks like I'm not the only one they are collecting from based on inaccurate billing data.

I was not contacted by any of your representatives, yet an account has opened in my name under your company. Is it because I recently got Financial Aid? Like what kind of company does this? So unprofessional.

These degenerate scumbags called me out of the blue and offered me "Student Loan Relief". I have no student debt so I attempted to ask to be removed from their call list. I was hung up on 4 times. These morally bankrupt parasites are the worst kind of people and they clearly hire only a certain class of people to manage their phones. Decent people do not simply hang up on people that ask who they are speaking to. Why do we not have laws that prevent any johnny come lately from harassing people? Oh wait, we do have laws. Then tell me why the mother*^(%$*$ hell do these worthless cretins get away with it?