Southwest Credit Systems SWC Group Collection Complaints?

We Stop Unwanted Calls and Debt Collector Harassment.

Southwest Credit Systems or SWC Group is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

Quick links:

What is Southwest Credit Systems – SWC Group?

Southwest Credit Systems or SWC Group has been in business since 1974 and is based in Carrollton, Texas, with another call center in Corpus Christi, Texas. SWC Group conducts first-party, pre-collection, and third-part collections for many different industries. The organization also provides transportation authorities guaranteed payment by means of a program named TOLLMAXX, where the company uses images recorded in toll lanes, pays the cost, and then turns around and collects from the motorists.

Have questions? Call us now at 855-301-6100 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Southwest Credit Systems a scam?

They’re legit. Southwest Credit Systems is a legitimate debt collection agency with an extensive history of harassing consumers over debts.  They collect for banks, healthcare industry and utility companies, among thousands of other large and small businesses nationwide.

If you’ve suffered from SWC Group debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Southwest Credit Systems – SWC Group?

As of May 2017, the Better Business Bureau reported 488 closed Southwest Credit Systems complaints over the previous 3 years, and Justia recorded 39 lawsuits against SCS in the past year alleging violations of the Fair Debt Collection Practices Act. In addition to that, the Consumer Financial Protection Bureau (CFPB) recorded 348 closed SCS complaints for 2016.

Contact Information

Southwest Credit Systems
4120 International Parkway, Suite 1100
Carrollton, TX 75007
Phone Number: 800-637-7439
Website: http://www.swcgroup.com/

Can Southwest Credit Systems Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Southwest would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 855-301-6100 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Southwest Credit Systems – SWC?

Absolutely. Here are some past Press Releases of Lawsuits Brought On By Lemberg Law in Federal Court

March 3, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Florida. The case, against Southwest Credit Systems, charges the company with violating federal law and state law. It asks for $500 to $1,500 per call in Telephone Consumer Protection Act statutory damages, $1,000 in Fair Debt Collection Practices Act (FDCPA) statutory damages, plus other relief.

Our client says that SCS begin calling his cell phone about a debt owed by his father-in-law. When he answered the phone, he heard a period of silence followed by an automated click, at which point the call was transferred to a SCS operator. The silence and the click we’re both clues that he was receiving a robocall. Our client says that he never gave his consent for SCS to call his cell phone. Moreover, our client told SCS that they were calling him in error, and to please stop. Nevertheless, SCS continue to call him.

The lawsuit charges that SCS violated the Telephone Consumer Protection Act (TCPA) by robocalling our client’s cell phone without his consent. The lawsuit also charges that SCS violated the Fair Debt Collection Practices Act (FDCPA) by contacting third parties without being asked to do so; by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt. It also charges SCS with invading our client’s privacy.

November 11, 2015. On behalf of our client, Lemberg Law recently filed a complaint in Massachusetts District Court. The case, against SCS, charges the debt collection agency with violating state law and asks for statutory and punitive damages, plus other relief.

Relentless phone calls can get on your nerves and can be quite upsetting. Our client tells us that SCS called her home phone up to five times per week. Our client talked to the debt collection agency’s representatives several times, telling them that she couldn’t pay the debt and to stop calling. Nevertheless, SCS kept calling.

This lawsuit charges that SCS violated the Massachusetts Consumer Protection Act by employing unfair or deceptive acts to collect a debt, and by calling more than twice in a seven-day period.

Southwest Credit Systems – SWC Group Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop Southwest Credit Systems Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are recieving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

Read more about your rights

Can You Help Me Delete Southwest Credit Systems – SWC Group from My Credit Report?

The brief answer is yes. And won’t charge you a cent for a consultation or our aid.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

10 COMMENTS
  • Enid R

    Around October/November 2018 l worked with southwest credit to pay off a debit they were collecting from Verizon. I worked with Southwest and paid them in 3 installments and debit was paid off in full. Now I have another credit collection agency, (EOS CCA) attempting to collect again the same exact amount, (415.00). I need to get documentation with details from southwest credit collections regarding my payments and that I paid them off to EOS CCA and Verizon.

  • Robert

    Constant robotic calls ,all hours of the day and night. Block one number and another number is used. Absolutely ridiculous!!!

  • Juan M

    For the past weel I have been receiving calls from South West Credit System, what it cut my attention, they used 501-722-4372, this number appear on my caller ID I have not answer any of this callas. I used a different phone to call back and I select spanish and in fact is SWCS but they are base on Texas and I lice in Arkansas, do they have any other locations in Arkansas, Is there a way to take tjis people tp court, they have been calling day and robot I believe a robot calls, please advice

  • Jack C

    I have been getting solicitations from this collection agency called Southwest Credit Services. I noticed during my research and inquiries that some of the situations I’ve read about is similar to what happening to me,i. e., I’ve paid the people that hired this service (Comcast) and requested that they contact them to let them know that I’ve cleared my debit with them and to also contact the several leading collection agencies to confirm this,because it is urgent that they remove the misleading allegation that I am a credit risk and I need them to do it ASAP,because it will cause conflict with pending business transactions in progress! Please contact me in regards to this inquiry? Thank You!

  • GV

    I have an issue with this creditor. They reported an account I have no knowledge of to the credit bureaus and my credit is going down because of this. At a time where I’m trying (successfully) to build it especially makes this more strenuous.

  • Kathleen Sims

    I, Kathleen Sims, rec’d a bill for 330$ for Windstream. There is no copy of a bill or address of the service. I spoke with someone quite a long time ago about this and it was a K. Sims in Tennessee the bill was traced to. So, how do I get his bill removed from collections? I live in Florida.
    Also, I called Windstream and they have no proof of any bill I owe?
    And, if it is my bill please send a copy of the bill and the address.
    Thank you,
    Kathleen
    Only an idiot would pay $300 without a copy of the bill??????? Which a did request over a week ago…….

  • Rickey Dilley

    On a check of my Credit Karma score I found a derogatory remark on my credit which reduced my score on Equifax. It is listed as a non-payment to Comcast from SOUTHWEST CREDIT SYSTEMS, L.P. in the amount of $147. Last year, this same thing, same amount to Comcast, happened but it was under TransUnion. I had it investigated and the investigation came out in my favor and was removed. I tried to report this to Equifax through the link on the Credit Karma page but it does not work. I am not a customer of Comcast, I have not received any notification from them or anyone else that I owed money (which I don’t). I am not sure if I’m reporting this to the right place. It says you don’t charge for this. If there is a charge please disregard as I am on disability and cannot pay it. I really need this illegitimate mark off my credit because I need a medical procedure and will need good credit so I can get it financed. Thanks if you can be any help.

  • Page Shaffer

    Southwest Credit sent me an ‘account summary’ stating that I owed AT&T Mobility more than $300. About a year ago, I purchased a cell phone from the local AT&T store – but a woman who worked for them broke into the phone several times- and that kept up for 2 days until I returned it and decided to purchase elsewhere. As for the AT&T mobility creditor fraud – Southwest Credit is sending out threatening notices that don’t even have the person’s correct name or spelling. As all of this looks phony, I have sent the papers and other information to the California State Auditor’s office in Sacramento, and to the highest AT&T executive.

  • Tim

    Both my wife and I received calls from Southwest Credit Systems after asking them to stop for months. Both us received 3 calls a day 5 days a week and I received a call or 2 on Saturdays. My wife received over 100 calls and I am close to 100. Have an attorney looking into the case will see what happens.

  • Robert Newman

    They called me 4-6 times a week. said they needed to talk to someone and when I told them that person is not associated with the number they refuse to stop.

    They wont stop violating the laws when the fines are so small.

Leave a Reply or Comment

Write a comment below to share online. Or, instead you can to our legal team.
Email is required to block spam, but will not be published.

Briefly describe the problem Briefly describe the problem

What’s your name? What’s your name?

What’s your phone number? What’s your phone number?

Get Your No-Obligation
Case Evaluation

Send a secure message to our legal team.

What’s your name? What’s your name?
What’s your email address? What’s your email address?
What’s your phone number? What’s your phone number?
Briefly describe the problem Briefly describe the problem
Your information is kept 100% confidential. We do not spam or sell your information.
Click to show more