Total CFPB complaints
50
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 50 complaints
SOUTHWEST COLLECTION SERVICES INC. — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SOUTHWEST COLLECTION SERVICES INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
22 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
10 complaints
- False statements or representation
False statements or representation
9 complaints
- Written notification about debt 7
Written notification about debt
7 complaints
- Communication tactics 2
Communication tactics
2 complaints
D
Grade D · 56.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about SOUTHWEST COLLECTION SERVICES INC.?
SOUTHWEST COLLECTION SERVICES INC. has accumulated 50 total CFPB complaints across 4 states, with 4 filed in the most recent 12 months against 46 historical complaints before that window. The trailing-12-month volume represents 8.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 100% 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 4 states, led by California with 45 and Nevada with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places SOUTHWEST COLLECTION SERVICES INC. 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
4
8.0% of total history
Falling ↓
States active
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
56.1/100 composite
Response-quality profile
How SOUTHWEST COLLECTION SERVICES INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does SOUTHWEST COLLECTION SERVICES INC. compare to its peers?
SOUTHWEST COLLECTION S… 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)
2019-10 2025-12
Top Consumer Issues
Attempts to collect debt not owed22 (%)
Took or threatened to take negative or legal action10 (%)
False statements or representation9 (%)
Written notification about debt7 (%)
Communication tactics2 (%)
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 | 12 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| False statements or representation | Told you not to respond to a lawsuit they filed against you | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Took or threatened to take negative or legal action | Threatened to turn you in to immigration or deport you | 1 |
Where do complaints against SOUTHWEST COLLECTION SERVICES INC. come from?
The states where consumers have filed the most CFPB complaints against SOUTHWEST COLLECTION SERVICES INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SOUTHWEST COLLECTION SERVICES INC.
Across 4 states with at least one filing
- California
California
45 complaints
- Nevada 2
Nevada
2 complaints
- Arizona 1
Arizona
1 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
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 4 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: 56.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if SOUTHWEST COLLECTION SERVICES INC. 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 COLLECTION SERVICES INC. 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 |