CFPB Consumer Complaint Profile
Southwest Acceptance Finance Co
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 11
- Total complaints
- Below average
- 6
- Last 12 months
- 18.2%
- Timely response
- Bottom decile
- 4
- States affected
The verdict
Southwest Acceptance Finance Co ranks #3589 of 3,843 financial companies by CFPB complaint volume. On response speed it sits at the 1st percentile among companies with 100+ complaints.
- Credit reporting or …
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Southwest Acceptance Finance Co vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
18.2% Among the lowest higher than 1% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2019 | 1 |
| 2021 | 2 |
| 2024 | 1 |
| 2025 | 5 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Southwest Acceptance Finance Co
The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for Southwest Acceptance Finance Co, with consumers across the country filing against it. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is well below the 95% industry benchmark and is a material red flag: late or missing responses are one of the strongest predictors of CFPB supervisory interest. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Southwest Acceptance Finance Co have?
The CFPB has logged 11 complaints against Southwest Acceptance Finance Co to date, of which 6 came in over the last 12 months.
Does Southwest Acceptance Finance Co respond to complaints on time?
Southwest Acceptance Finance Co's CFPB timely-response rate is 18.2%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Southwest Acceptance Finance Co?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Southwest Acceptance Finance Co than any other product - see the full breakdown above.
What is the most common complaint issue with Southwest Acceptance Finance Co?
The most common issue reported by consumers about Southwest Acceptance Finance Co is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Southwest Acceptance Finance Co?
You can file a complaint against Southwest Acceptance Finance Co directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Southwest Acceptance Finance Co?
Consumers in 4 states and territories have filed complaints about Southwest Acceptance Finance Co with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.