What is the most common complaint against Southwest Acceptance Finance Co?

The most common issue consumers report about Southwest Acceptance Finance Co is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2 complaints filed with the CFPB.

Are complaints against Southwest Acceptance Finance Co increasing or decreasing?

Complaints against Southwest Acceptance Finance Co are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Southwest Acceptance Finance Co's reputation grade?

Southwest Acceptance Finance Co has a reputation grade of D (score: 50.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Southwest Acceptance Finance Co respond to consumer complaints?

Southwest Acceptance Finance Co has a 33% timely response rate to CFPB complaints.

In how many states does Southwest Acceptance Finance Co operate?

Southwest Acceptance Finance Co has received CFPB complaints from consumers in 2 states, with the most complaints from Florida (1 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Southwest Acceptance Finance Co - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

1
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record southwest-acceptance-finance-co Southwest Acceptance Finance Co

Grade D · 2 CFPB filings · 33% timely · lead issue: Attempts to collect debt not owed · vol #4338 · compose #4089

VOL 2
GRADE D
12MO 0
STATES 2
TIMELY 33%
ISSUE Attempts to collect debt n…
RANK #4,338
COMPOSE #4,089

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Southwest Acceptance Finance Co's 2 CFPB complaints sit next to 1 Auto Finance, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

50.0% of Southwest Acceptance Finance Co's CFPB filings land in Florida

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Florida 50.0%; 1 of 2 filings · 2 states touched
Spike month: 2014-05 57.1%; 4 filings that month · spiky (≥15% of series)
Corpus ranks: #4,338 volume; #4,089 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Southwest Acceptance Finance Co compare to its peers?

How does Southwest Acceptance Finance Co compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Southwest Acceptance F… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

33%

50%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-04 2014-06

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1
False statements or representation	1

Where do complaints against Southwest Acceptance Finance Co come from?

Southwest Acceptance Finance Co's own per-state count, not a national baseline.

Florida

1
Maryland

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Southwest Acceptance Finance Co: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 2.

4 peers

Know your rights before responding to Southwest Acceptance Finance Co: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.