Debt collection -- False statements or representation -- Complaint #4814323
Complaint Overview
Complaint ID: 4814323
Company: Southwest Recovery Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Illinois
ZIP Code: 623XX
Date Received: 2021-10-16T12:00:00-05:00
Date Sent to Company: 2021-10-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I closed my acc with XXXX XXXX XXXX ( a processing credit card payment company ) on XX/XX/XXXX in good standing to switch to a different company with better rate. Even after closed merchant acc and not providing services, they still try to to steal ( debit ) my bank monthly. So we had to go ahead change our bank acc number. On XX/XX/XXXX, they sent me an email claiming that i have a balance of XXXX $??? I guess they tried fo steal from our bank but can not, and that {$87.00} is original from their monthly fee of a closed account that they think they have the right to collect. Another word for it is Fraudulent Bill. XXXX created their own fraudulent bill, keep adding up on what so call unpaid balance to XXXX $ ( attach is the image of their bill as of XX/XX/XXXX ) Finally they try to have XXXXouth West Recovery Services to collect it for XXXX $??? ( attach is the image as of XX/XX/XXXX ) I attached all the pictures to prove im honest and telling the truth. Since the date i closed my merchant account til now. I called SWRS to validate the debt, first they acted like their computer was down so they couldnt locate my account. Then a week later-today A lady named XXXX from South West Recovery Services call me while im working and harrash me on an unvalid debt, i told her i will report this to Federal Trade Commison & CFPR . She said OK OK like she dare me to report her, then rudely hang up on me. Technically they tried to hold my good credit XXXX for their unvalid and unaccurate debts with hope to scam some more out of us. They target newly business owners like me, dont speak very good XXXX and have know so little about law, with hope we will give in so they can take advantage of us more and more. Like throwing the spagetti to the wall and hope it will stick somehow. XXXX XXXX XXXX created fraudulent bills for SWRS to collect. Then SWRS use the same method that XXXX XXXX XXXX use. Debt parking on random people with hope people settle an fraudulent and unvalid, unaccurate debt when theyre trying to apply for mortgage/loan because the negative mark on credit reporting they wrongly created could hurt the chance for these innocent people of securing a loan. These company think theyre above the law somehow, scam people everyday and think theyll never get caught. Im wondering how many of their victims already did fall and will fall for their scam?? very sad Any more question or proof, Please dont hestitate reach me at XXXX or XXXX Thank you so much Sincere XXXX XXXX
Frequently Asked Questions
What is Complaint #4814323 about?
Complaint #4814323 was filed against Southwest Recovery Services, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2021-10-16T12:00:00-05:00.
How did Southwest Recovery Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Southwest Recovery Services, INC.?
Yes, visit the Southwest Recovery Services, INC. company profile at readthecomplaint.com/company/southwest-recovery-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.