You know the first impulse when somebody stole your privacy and got your number, foul language.  But I have a better Idea, a good lawyer.

This company is something else.. Iv'e been arguing with them for 4 months now. The first person who contacted me said my account could be settled for around $400. Original balance was $800 from cancelling 2 phone lines with T-Mobile and a partial months bill. I paid the 3 payments that were set up and figured that was it. For a week straight in March I got calls everyday saying I still owed $200 or so. I fought with them for a week and got hung up on countless times. Finally a supervisor said she'd note my account as paid in full, close it and send me a letter. Not the case. I received a letter a week or so ago stating they have tried to contact me several times and every attempt has been unsuccessful. Not true. Every call I've gotten I've answered and ended up cussing someone out. The employees are rude and the "supervisors" shouldn't even have that title. The supervisor yesterday told me the payments I made is not a settlement, but only payments because they will only settle for 20% of the amount. I told them yesterday to listen to the tapes from my phone calls. I called this morning to ask if I could hear my tapes and the first man made it seem like talking to a supervisor is off limits. He just kept questioning everything and trying to answer it. I asked her when I would hear back from someone after my tapes were listened to and she said I wouldn't be. She told me that the recordings are not public records and only employees can listen. The only thing they noted in my account is when I asked for them to remove my number from their call list. This place is a joke! They don't have their act together

Send a cease and desist letter even if you are not the person they are looking for. Act as though you are but don't admit to the debt. Send by certified mail with a return receipt. Here's a letter you can use:

Your Name
Your Address
Your City, State Zip

Southwest Credit 
4120 International Pkwy, Suite 1100
Carrollton, TX 75007 

Dear Sirs,

I am writing in response to your phone calls to my phone number, ###-###-####.

According to the Fair Debt Collection Practices Act (FDCPA) I hereby demand that you cease and desist from calling ###-###-####.

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Again, be advised that I am keeping accurate records of all correspondence from you and your company including recording all phone calls in the event I must take legal action against you. I am sending copies of this letter to my State Attorney General, the Federal Trade Commission, and the Better Business Bureau.

I have disputed this debt. Therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Sincerely,
Your Name

This compay called asking if i was the person they mention. They wouldn't tell what is was in refernce to just wanted to verify the last 4 digits of my social. I didn't respond just hung up.

this number showed up on my caller ID today : SW CREDIT UNION 888-778-4017. have no idea whi it is or why theuy called. did not leave messages and i am not calling the number back.  I do not owe Peco anything, pay my bill every month . have no idea who it is or for.

888-778-4017 they constantly call on a daily basis and ask for someone I have never heard of and when I ask who's calling they tell me it doesn't matter since the person they are looking for is not there.

received a call from Stella about a supposed debt.  tried to get info and of course couldn't get any.  she called again at my work and left a message.  I called her back, she was on break and got a real jerk (surprise).  I told him to not call me at work that I was trying to get this straightened out and he called me an idiot, told me to call Stella and slammed down the phone.  They want all my bank info on the phone....NOPE DON"T THINK SO!!!!

some sort of debt agency, Southwest something or other.

They called me.

stop calling the former owner of this cell phone number

we will never stop

http://www.sw-credit.com/
http://www.sw-credit.com/about_our_mgmt_team.html

Corporate Office:
Southwest Credit Systems LP
ATTN:  Jeff Hurt, CEO
4120 International Pkwy, Suite 1100
Carrollton, TX 75007
1-800-637-7439
Monday ? Thursday 7:00 a.m. - 9:00 p.m. CST
Friday 7:00 a.m. - 5:00 p.m. CST
Saturday 8:00 a.m. - 12:00 p.m. CST

"Hello. This is a very important personal message for:  {name}.
If you are not:  {name}, please hang up or disconnect.
By continuing to listen to this message, you acknowledge you are:  {name}.
This communication is from a debt collector regarding an important business matter.
Please contact:  SouthWest Credit Systems at 800-343-2633 and reference file # {number}.
Once again, please contact:  Southwest Credit Systems at 800-343-2633 and reference file # {number}.
Thank you.  Goodbye."

Southwest Credit Systems also uses 888-778-8213, in addition to 800-343-2633 and 888-778-4017.

All debt collectors try to upset you to get you to react.   It worked.

File a complaint with the Federal Trade Commission and the Better Business Bureau

My wife and I just got home phone service after having only cell phones for the last 4 or 5 years. Someone called from this number this morning and my wife answered to let them know that we just got our phone hooked up and that whoever they were looking for wasn't here. The guy proceeded to call her a liar and eventually hung up on her. She called back and told whoever answered what had just happened so they reconnected her to the same guy and he started questioning if she was telling the truth again. After basically calling her a liar again he, obviously insincerely said "sorry" and hung up on her again. I think I'll be calling them back.

file number and call back

THIS COMPANY CALLS MY JOB AND CELL PHONE EVERYDAY LOOKING FOR SOMEONE THAT'S NOT ME AND SHE TOLD ME AS LONG AS SHE HAD THIS NUMBER SHE WOULD BE CALLING.  SHE KEEP TRYING TO GIVE ME AN EXENSION TO ASK FOR WHEN I'VE TOLD HE NUMEROUS TIME THAT SHE HAD THE WRONG NUMBER AS WELL AS THE WRONG PERSON.  IS THERE SOMETHING THAT CAN BE DONE ABOUT THIS COMPANY?  I DID FIND OUT THE COMPANY IS "SOUTHWEST CREDIT SYSTEMS", IN PLANO, TX.

Something about a case number and it is very important for me to call back. Why do all these so called collection agencies have such BAD reception on the phone??!

I keep getting the same thing. A guy last name taylor keeps saying that I need to call back that I have a case in his office, which case who knows which office who knows he doesnt ever say all i get is a ref. number. I have not answered and have not called back. I filed for bankruptcy six months ago so I dont own anybody anything. to top that all of i live in NM and have never lived outside of NM or TX so who knows what scam these people got going on.

I've been receiving phone calls from this number, seems like every two weeks or so. I don't know who this company is and have learned that it only a recording, so I refuse to answer. Each time they call, they only say that it is "a very important call to return." They do not leave any other information on what its about or who to speak with. I'll keep refusing to answer the calls.

BTW, they do have a website. It's www.sw-credit.com. I also found it rather funny to call a collection agency in TX and hear a recording of a woman who is British. Trying to throw a little class in there, eh?

Southwest Credit Systems, L.P.
5910 W Plano Pkwy
Ste 100
Plano, TX 75093-4638

I was called by a Ms. Brown who said it was a very serious matter in a rather ominous tone of voice. No other info but a reference number. I work for a lawfirm who sues collection agencies. So, I went to work the next day and called back from one of our lines. It was in regards to a PECO bill for a little over $1000.00. What's rather interesting is that I just moved from the address where I had the PECO account less than a month ago. Also, I am a divorced mother of 4 on a fixed income (below the national poverty index) and I was on the CAP rate program. This means my bill was pro-rated. My bill was always paid on time. According to Ms. Brown, when a customer defaults? or disconnects, PECO will then try to collect anything that was in excess of your monthly CAP rate. So, although my income hasn't gone up, because I am no longer one of their customers(I do not have the option to have PECO at my new address) they are going to try to collect any back amounts I would have paid if I had not been on the program. I find this rather ridiculous. I applied for the program because I was not able to afford the full amount and still feed my children. Why would I now be able to pull $1000.00 out of my rear-end? The long and the short of this is that I told Ms. Brown that I disputed the bill as it was clearly not a valid debt. She gave me an address and was pleasant about the whole thing. I have now sent a letter of dispute stating the reasons in detail and am filing suit for violations of the FDCPA. Collectors must remember to mini-miranda. And the creme de la creme, PECO will be included on a bankruptcy.

My sister was contacted in practically the same manner - they called to tell her they were collecting for PECO for $1,200 for an account someone opened using her name and ss#.  She's been dealing with a man named Rick.  She filed a police report and an affidavit through the PUC, but when she called Southwest today to request a copy of their letterhead be faxed to her so she could verify they were a legitimate business, Rick got nasty with her and said if she didn't trust them, she'd see the results in her credit report.  Also, she called PECO and they said they had no record of anyone with her name ever having an account, past due or not.

I received a call today and they left a message with a reference number. They said I had a collection claim filed against me.  When I called back they were collecting for PECO Energy in Philiadelphia.  I have never even lived in Philly I live on the other side of PA.  She read my name to me and I asked how the middle name was spelled.  It match mine -  I then wrote down the address they were filing the claim against in Philly and double checked the last 4 digits of the Social they had on file to besure someone had not stolen my identity.  All in all it was a really weird call and I have done some research on line on both SW and Peco.  I also did a quick credit check to besure no one has filed anything against my credit.  annualcreditreport.com will get you a free report 1 time a year from any of the three reporting agencies.  Basically you can do a report every 4 months for free.  You just use a difference agency for each check.

The caller ID showed a Texas number but the number I was asked to call back was 888-778-4017

Auto Dialer message looking for a person named Ariana Rodriguez debt collection reference number 25617404. These MORON's obviously do not even make sure they're records are correct. There is no option to be removed from their list, (AS REQUIRED BY LAW) using the 1 - 9 keypad on my phone. I know I'm a professional telemarketer myself and write an Industry wide column read by 2.2 million people per month. They are obviously scabs "South West Credit Union". As far as an Internet search is concerned the y do not come up at all. The pre-recorded message maail merges the persons name and debt reference number but give no details or a local number for "South West Credit Union". No one in their right mind would call them back at the 888 one since they are collecting all inbound info so they cal sell it to someone else's telemarketing list. THIS IS ILLEGAL HARRASMENT and it will be reported to the FTC's anti DNC staff. You need to scrub your list against the Federal Do Not Call list. You are in violation.
Report your call to: https://www.donotcall.gov/complaint/complaintcheck.aspx

They call my cell phone constantly for my son who also no longer lives at home. Like the above they leave a ref # and extention. Other times they just don't leave a message at all.

A call came through for my son (who nolonger even lives at home) for him to call this number ext. 2330 with a ref. # ...She said her name was Sarina at South West Credit Union.

gave me a file number and told me to call