CFPB Consumer Complaint Profile
Southwest Collection Services Inc.
61 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 61
- Total complaints
- Mid-range
- 4
- Last 12 months
- 100%
- Timely response
- Top decile
- 6
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Southwest Collection Services Inc. sits at #1659, with 61 complaints logged. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #1659
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 6
- states with 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 Collection Services Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 8 |
| 2019 | 12 |
| 2020 | 9 |
| 2021 | 16 |
| 2022 | 3 |
| 2023 | 1 |
| 2024 | 5 |
| 2025 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Southwest Collection Services Inc.
61 complaints against Southwest Collection Services Inc. appear in the CFPB record, including 4 from the trailing year. The 6 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Southwest Collection Services Inc. posts a 100% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 8.2%.
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.
Frequently Asked Questions
How many CFPB complaints does Southwest Collection Services Inc. have?
The CFPB has logged 61 complaints against Southwest Collection Services Inc. to date, of which 4 came in over the last 12 months.
Does Southwest Collection Services Inc. respond to complaints on time?
Southwest Collection Services Inc. has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Southwest Collection Services Inc.?
The most complained-about product for Southwest Collection Services Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Southwest Collection Services Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Southwest Collection Services Inc.; the full issue list with counts is above.
How do I file a complaint against Southwest Collection Services Inc.?
You can file a complaint against Southwest Collection Services Inc. 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 Collection Services Inc.?
Consumers in 6 states and territories have filed complaints about Southwest Collection Services Inc. 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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Southwest Collection Services Inc. have?
The CFPB has logged 61 complaints against Southwest Collection Services Inc. to date, of which 4 came in over the last 12 months.
Does Southwest Collection Services Inc. respond to complaints on time?
Southwest Collection Services Inc. has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Southwest Collection Services Inc.?
The most complained-about product for Southwest Collection Services Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Southwest Collection Services Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Southwest Collection Services Inc.; the full issue list with counts is above.
How do I file a complaint against Southwest Collection Services Inc.?
You can file a complaint against Southwest Collection Services Inc. 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 Collection Services Inc.?
Consumers in 6 states and territories have filed complaints about Southwest Collection Services Inc. 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.