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 2026-05-15
- 953
- Total complaints
- 245
- Last 12 months
- 95.5%
- Timely response
- 47
- States affected
The verdict
953 CFPB complaints put Southwest Recovery Services, Inc. at #337 out of 3,848 financial companies ranked by complaint volume. It answers 95.5% of complaints on time - above the 93% median for companies with 100+ complaints.
- #337
- of 3,848 companies by volume
- 95.5%
- answered on time
- Debt collection
- most-complained product
- 47
- states with complaints
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 |
| 2026 | 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 in 20% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 0.2% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~953)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.