8004623804

Whoever it is must sit by the redial button. I don't have anything with ATT. It happens to be an unlucky phone number and whoever it is likes calling it.

Never answer the call.

I got a call from them today. AT WORK! His name was Mr. Johnson and he was rude as well. Told me my credit score was too high to let this go on my credit report. I just recently switched cell phone providers as well and I have an exhisting account too.

just tell them you filled  for Chapt 7 its illegal for them to call you after that

I called this number and Now i knew it is ascan. I got charged by The person Named Fred Brigts. I already called credit card company regardig to this dispute.

I had this lady call and try to get information about where my sister lives and told me she has a big problem and even gave me a case number acting like she's calling from the court house. I worked in court before and I knew she was fake right way. I got all her (rich) info and them tried calling back and a guy named Fred answered and said she doesnt exist. They call themselves 'Southwest Systems'. Careful!!!

This terrible mean person calls me over and over and bullies me!  He says I owe money to AT&T and I don't.  I even called At&T to confirm this.  He doesn't even call me by by name, he has someone elses name.  HELP!

Margartice?? was extremely RUDE and connected me to a manager Michael Green who was no in the office. This number has been turned over the fraud dectection department. Request all information in writing and mailed to the address they have on file.

These people called me and read off all my information to me and asked me to confirm it - when i wouldnt and asked them what this was regarding, they said they couldnt tell me by law until i verified every little piece. They then threatened to call all my family and friends until I cooperated. I am reporting them - messed with the wrong person this time!

I got a call from Mr. Chapman, stating he was giving me a courtsey call and I had 24 hours to respond. He did not give a company name. What is this about?

A Mr. Chapman called from 1 800-462-3804 said he was from Northwest Credit Co.. was very rude and harassing, he claimed that we owed a past due account from AT&T Mobile.. We do not have a mobile account with AT&T, to make sure no one has opened an account with AT&T under our name, we called them. AT&T was excellent said we did not have a mobile account and also that they do not use anyone credit company with that name or number. We have since gotten harassing calls from this jerk every day. He has threaded to ruin our credit and repeatedly continues to leave messages. We don't answer the phone and let it go into the answering service.  We have filed several complaints locally and with the Federal Trade Commission and if it continues we were given an FBI site that we can also file a fraud and harassment claim with. That will be the next step. But obviously a scam to get people to send them money.

I been getting calls from this number saying "there was a complaint in there office on me today," however this has been  said every time they call.

FILE COMPLAINT WITH YOUR STATE ATTORNEY GENERAL AND THE FBI


Next time he calls -- tell him you know its a scam and you have filed complaints with FTC,FBI and STATE AG..

ITS A SCARE TACTIC - basically they are trying to find people that will cave into their illegal threats and do not know that what they are doing is illegal.  Like claiming you owe money - but refuse to prove it!

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY

Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm


From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.


How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.


What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren’t; or
indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:

you will be arrested if you don’t pay your debt;
they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn’t; or
use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members’ Pay
Military Annuities and Survivors’ Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.

A Mr. Chapman called my home and questioned my husband about a bill with a cellular phone company.  When my husband stated that he had no knowledge of the bill, Mr. Chapman implied "if the person answering the phone was my husband" he found it hard to believe that he didn't know anything about the bill.  I also received several calls at work from this same person.  Other numbers that have called are:  800-852-4977, 800-462-3804, 800-462-3894.

they call everyday. don't know what they want, i don't answer cause i don't know who it is. i put myself on the do not call list again. but these people get around it somehow.

Got a call today from a woman on this line, threatening my credit rating if I did not make an immediate payment on a bill that was turned over to them for collections. She would not take my address to send me a copy of this bill (which I doubt truly exists.) They wanted immediate payment. I've had to deal with real collection agencies before, and they will always send you a copy of the disputed bill and are eager to take your new contact info. She wanted none of this, only immediate payment. SCAM!!!

Got a call at home and the bozo left a message stating they have called 3 times already and I need to get back to them within 24 hours or they will take OTHER means.  First off, today was the first day they called me, and secondly no one has left a message about anything before today. Then they called my cell right after from the number 1-800-462-3804 and said they were from Southwest, and the same message as my home phone.  I couldn't make out the callers name but sounded like a arrogant prick.  What's he gonna do show up at my door step if I don't return his call?  If he does he will have a rude awakening......

Nasty person called with a case file number for someone who doesn't even live here.  I never answer a call from an unknown source and don't plan to answer this one.

This person has called numerous times. I called back after the first message and talked to a woman. She stated that I had to make a payment right then over the phone. I asked for a letter (I know you have to receive one) and she became extremely upset. When I asked her to lower her voice and to calm down, she hung up on me.

The calls continue. Now I am getting a recording. "sigh" Yes, I owe ATT a bill, but I will pay them, not some person who wants to force me to pay check by phone.

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 tome 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 called AT&T to see if their records showed that I owed any money. 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 many old records and billing info and then verified with the 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 hang 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 against 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 against 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 against 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/stateattorneygenerallist.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 to owing money that they think they 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.