CFPB Consumer Complaint Profile
Southwest Recovery Services, Inc.
What 953 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
- 953
- Total complaints
- Among the highest
- 245
- Last 12 months
- 95.5%
- Timely response
- Below median
- 47
- States affected
The verdict
953 CFPB complaints put Southwest Recovery Services, Inc. at #338 out of 3,843 financial companies ranked by complaint volume. It posts a 95.5% on-time response rate, the 31st percentile among companies with 100+ complaints.
- #338
- of 3,843 companies by volume
- 95.5%
- on time (31st pctile)
- Debt collection
- most-complained product
- 47
- states with complaints
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 Recovery Services, Inc. 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 133 in 2024 to 245 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 4 |
| 2014 | 14 |
| 2015 | 15 |
| 2016 | 23 |
| 2017 | 35 |
| 2018 | 51 |
| 2019 | 18 |
| 2020 | 49 |
| 2021 | 51 |
| 2022 | 133 |
| 2023 | 132 |
| 2024 | 133 |
| 2025 | 245 |
| 2026year in progress | 50 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Southwest Recovery Services, Inc.
953 complaints against Southwest Recovery Services, Inc. appear in the CFPB record, including 245 from the trailing year. The 47 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Southwest Recovery Services, Inc.'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 clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 20% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.2% 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 Recovery Services, Inc. have?
953 complaints have been filed against Southwest Recovery Services, Inc. with the CFPB overall - 245 of them in the past year.
Does Southwest Recovery Services, Inc. respond to complaints on time?
Southwest Recovery Services, Inc. has a 95.5% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Southwest Recovery Services, Inc.?
Among all products tied to Southwest Recovery Services, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Southwest Recovery Services, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Southwest Recovery Services, Inc.; the full issue list with counts is above.
How do I file a complaint against Southwest Recovery Services, Inc.?
You can file a complaint against Southwest Recovery 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 Recovery Services, Inc.?
Consumers in 47 states and territories have filed complaints about Southwest Recovery 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Southwest Recovery Services, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (20% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.