Total CFPB complaints
3
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 3 complaints
Southwest Acceptance Finance Co — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Southwest Acceptance Finance Co
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- False statements or representation
False statements or representation
1 complaints
D
Grade D · 52.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Southwest Acceptance Finance Co?
Southwest Acceptance Finance Co has accumulated 3 total CFPB complaints across 3 states, with 1 filed in the most recent 12 months against 2 historical complaints before that window. The trailing-12-month volume represents 33.3% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 33% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by Texas with 1 and Florida with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.4/100 places Southwest Acceptance Finance Co in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
33.3% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
33%
Within CFPB SLA window
Reputation grade
D
52.4/100 composite
Response-quality profile
How Southwest Acceptance Finance Co performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 33.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Southwest Acceptance Finance Co compare to its peers?
Southwest Acceptance F… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2021-03 2025-09
Top Consumer Issues
Attempts to collect debt not owed2 (%)
False statements or representation1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against Southwest Acceptance Finance Co come from?
The states where consumers have filed the most CFPB complaints against Southwest Acceptance Finance Co. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Southwest Acceptance Finance Co
Across 3 states with at least one filing
- Texas
Texas
1 complaints
- Florida
Florida
1 complaints
- Maryland
Maryland
1 complaints
Frequently Asked Questions
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 3 complaints filed with the CFPB.
Are complaints against Southwest Acceptance Finance Co increasing or decreasing? ▼
Complaints against Southwest Acceptance Finance Co have been stable. The company received 1 complaints in the last 12 months.
What is Southwest Acceptance Finance Co's reputation grade? ▼
Southwest Acceptance Finance Co has a reputation grade of D (score: 52.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 3 states, with the most complaints from Texas (1 complaints).
What can I do if Southwest Acceptance Finance Co is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Southwest Acceptance Finance Co violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |