What is the most common complaint against Southwest Collection Services Inc.?

The most common issue consumers report about Southwest Collection Services Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 50 complaints filed with the CFPB.

Are complaints against Southwest Collection Services Inc. increasing or decreasing?

Complaints against Southwest Collection Services Inc. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Southwest Collection Services Inc.'s reputation grade?

Southwest Collection Services Inc. has a reputation grade of D (score: 52.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Southwest Collection Services Inc. respond to consumer complaints?

Southwest Collection Services Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Southwest Collection Services Inc. operate?

Southwest Collection Services Inc. has received CFPB complaints from consumers in 4 states, with the most complaints from California (45 complaints).

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

Southwest Collection Services Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

22
Took or threatened to take negative or legal action

10
False statements or representation

9
Written notification about debt

7
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record southwest-collection-services-inc Southwest Collection Services Inc.

Grade D · 50 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1194 · compose #3825

VOL 50
GRADE D
12MO 3
STATES 4
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #1,194
COMPOSE #3,825

Volume peers

Nearest volume peer: Budget Control Services, Inc. (50 complaints)

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

Southwest Collection Services Inc.'s 50 CFPB complaints sit next to Budget Control Services, 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

90.0% of Southwest Collection Services Inc.'s CFPB filings land in California

High volume does not equal a clean composite: Southwest Collection Services Inc. is volume #1,194 but composite #3,825, while California dominates the geography. Corpus placement method.

Dominant state: California 90.0%; 45 of 50 filings · 4 states touched
Seasonal peak: 2025-09 9.4%; 8–15% band · 6 filings
Divergent corpus ranks: #1,194 volume; #3,825 composite; Cleanest-composite ladder is 2,631 places worse than volume

How does Southwest Collection Services Inc. compare to its peers?

How does SOUTHWEST COLLECTION SERVICES INC. 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 COLLECTION S… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-11 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	22
Took or threatened to take negative or legal action	10
False statements or representation	9
Written notification about debt	7
Communication tactics	2

Where do complaints against Southwest Collection Services Inc. come from?

Southwest Collection Services Inc.'s own per-state count, not a national baseline.

California

45
Nevada

2
Arizona

1
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Southwest Collection Services Inc.: 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: 50.

4 peers

Know your rights before responding to Southwest Collection Services Inc.: 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.