(800) 462-3894

Like many of the people who posted above, SW Credit called me saying that I owed AT&T money when I did not. I received a call last week from Chris at SW Credit systems saying that I had a delinquent account with AT&T for over $200 dollars. Chris wanted me to to pay the bill right then with a check or credit card. Since I did not think that this was legit (and was for a lot of money!), I did not want to pay on the spot, so I asked for an account number and phone number for AT&T. Chris gave that information to me. I previously had an account with AT&T which had been closed 7 months earlier and I was sure that I did not owe any money on that account. I called AT&T to verify Chris' claim. The AT&T rep searched my old records and billing info and then verified with the AT&T finance department that I did not have an outstanding balance. So then, in a 3 way conference call with AT&T, SW Credit, and me, AT&T told SW Credit that I did not owe them any money. The man at SW Credit said that his name was Mr. Green, a manager at SW Credit, and that there had been a mistake, and it was not AT&T that I owed money to it was US Cellular. He then asked the AT&T rep to **** up because he was a third party not involved in this matter. I asked Mr. Green for an account number and contact number for US Cellular. Neither Mr. Green the manager, at SW Credit, nor Chris, the customer service rep at SW Credit could provide contact information for me to contact US Cellular to verify the claim. Long story short... Chris keeps pressuring me to "resolve this matter" by paying him over $200 by check or credit card over the phone, when he has not provided and proof that I owe this money. I have looked up SW Credit at the Texas Better Business Bureau. They have an A+ rating even though they have 128 complaints filed a***nst them in the last 36 months. SW Credit appears to use pressure and bullying to coerce people into paying money without providing any proof that the money is really owed. BEWARE - Simply avoiding contact from debt collectors does not protect you from their claims a***nst you. You should find information about how to dispute debt collector claims from the Federal Trade commission. There are certain steps that you must take to dispute debt claims, many actions have to be taken in a certain period of time. http://www.ftc.gov/bcp/index.shtml This website is also an excellent source of information http://www.privacyrights.org/fs/fs27-debtcoll.htm Where to report fradulent or illegal debt collection: FEDERAL TRADE COMISSION Before submitting a complaint you should familiarize yourself with the laws relating to debt collection. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf To file a complaint with the Federal Trace Commission: https://www.ftccomplaintassistant.gov/ Your state may have additional laws to protect you, the consumer. Information on obtaining laws for each state is here: http://www.privacyrights.org/fs/fs27plus.htm Other agencies where you may file complaints a***nst the company are: ATTORNEY GENERAL OFFICES The state Attorney General for BOTH the state where you live, AND the state where the debt collection agency is located (if you know that information). Contact information and websites for the Attorney General for each state may be obtained. There is a map at the bottom of the page, where you can click on the state to get the information for each state. http://www.naag.org/ The contact information is also listed by state on this website: http://www.consumerfraudreporting.org/sta****torneygenerallist.php BETTER BUSINESS BUREAU A complaint should be filed with the Better Business Bureau in the state where the debt collection agency is located. You may find contact information for BBB offices in each here: http://www.bbb.org/us/find-a-bbb/ or here http://www.bbb.org/us/find-a-bbb/ CONSUMER FRAUD REPORTING Fraud or scams may be reported here: http://www.consumerfraudreporting.org/Good luck to everyone else out there being accused by SW Credit of owing money that you think you do not owe.... and being a victim high pressure tactics used to get you to pay the bill without any proof that you actually owe it.

I have about 20 calls from the same number for the past 2 months. They s**** at about 8 am in the morning and go on till noon, so i get 3-4 calls a day. Its very frustrating because is automated call as soon as I pick up and automated service is activated. Same if I call them back. How can i make it stop? Any suggestions are welcome. Thank you.

jkk

I answered and ***ody was there, I waited, and the system basically ***g up on me.  Lately, I have had Toll-Free calls with automated messages looking for somebody who apparently used to have my number.  (As soon as I got my phone number three years ago, the freaking phone company's collection agency s****ed calling for this guy (they should know it's not his number anymore).)Since there is no real person on the other end of the line, I don't know how to ask them to stop calling.  I don't really want to call the phone number back because I'm afraid they would like to use it a***nst me.  Even though obviously the guy they're looking for hasn't had this phone number in years.