CFPB Consumer Complaint Profile
Southwest Mediation Service
What 22 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 22
- Total complaints
- Mid-range
- 0
- Last 12 months
- 95.5%
- Timely response
- Below median
- 18
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Southwest Mediation Service has accumulated 22 complaints, placing it #2732 by volume. Its on-time response rate is 95.5%, the 31st percentile among companies with 100+ complaints.
- #2732
- of 3,843 companies by volume
- 95.5%
- on time (31st pctile)
- Debt collection
- most-complained product
- 18
- 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 Mediation Service vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.5% Around the middle higher than 31% 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 | 1 |
| 2019 | 3 |
| 2020 | 5 |
| 2021 | 5 |
| 2022 | 2 |
| 2023 | 2 |
| 2024 | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Southwest Mediation Service
The CFPB Consumer Complaint Database has logged 22 complaints against Southwest Mediation Service overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 18 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Took or threatened to take negative or legal action" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Southwest Mediation Service's timely response rate stands at 95.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, the consumer-relief closure rate is 4.5%.
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 Mediation Service have?
Southwest Mediation Service has 22 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Southwest Mediation Service respond to complaints on time?
Southwest Mediation Service's CFPB timely-response rate is 95.5%. That is a strong response record by CFPB standards.
What product generates the most complaints for Southwest Mediation Service?
Among all products tied to Southwest Mediation Service, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Southwest Mediation Service?
The most common issue reported by consumers about Southwest Mediation Service is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Southwest Mediation Service?
You can file a complaint against Southwest Mediation Service 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 Mediation Service?
The CFPB has recorded complaints against Southwest Mediation Service from 18 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Southwest Mediation Service have?
Southwest Mediation Service has 22 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Southwest Mediation Service respond to complaints on time?
Southwest Mediation Service's CFPB timely-response rate is 95.5%. That is a strong response record by CFPB standards.
What product generates the most complaints for Southwest Mediation Service?
Among all products tied to Southwest Mediation Service, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Southwest Mediation Service?
The most common issue reported by consumers about Southwest Mediation Service is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Southwest Mediation Service?
You can file a complaint against Southwest Mediation Service 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 Mediation Service?
The CFPB has recorded complaints against Southwest Mediation Service from 18 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.