CFPB Consumer Complaint Profile
Southwest Collection Services, LLC
Behind the 20 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 20
- Total complaints
- Mid-range
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 2
- States affected
The verdict
Southwest Collection Services, LLC ranks #2861 of 3,843 financial companies by CFPB complaint volume, with 20 complaints on record. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2861
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 2
- 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, LLC 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 |
|---|---|
| 2020 | 4 |
| 2021 | 8 |
| 2022 | 7 |
| 2024 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Southwest Collection Services, LLC
20 complaints against Southwest Collection Services, LLC appear in the CFPB record, including 0 from the trailing year. The 2 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. 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, LLC 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. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 30% rate.
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, LLC have?
20 complaints have been filed against Southwest Collection Services, LLC with the CFPB overall - 0 of them in the past year.
Does Southwest Collection Services, LLC respond to complaints on time?
CFPB complaints against Southwest Collection Services, LLC draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Southwest Collection Services, LLC?
"Debt collection" draws more CFPB complaints against Southwest Collection Services, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Southwest Collection Services, LLC?
The most common issue reported by consumers about Southwest Collection Services, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Southwest Collection Services, LLC?
You can file a complaint against Southwest Collection Services, LLC 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, LLC?
Southwest Collection Services, LLC has drawn CFPB complaints from 2 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated 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, LLC have?
20 complaints have been filed against Southwest Collection Services, LLC with the CFPB overall - 0 of them in the past year.
Does Southwest Collection Services, LLC respond to complaints on time?
CFPB complaints against Southwest Collection Services, LLC draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Southwest Collection Services, LLC?
"Debt collection" draws more CFPB complaints against Southwest Collection Services, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Southwest Collection Services, LLC?
The most common issue reported by consumers about Southwest Collection Services, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Southwest Collection Services, LLC?
You can file a complaint against Southwest Collection Services, LLC 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, LLC?
Southwest Collection Services, LLC has drawn CFPB complaints from 2 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.