What is the most common complaint against Southwest Credit Systems, L.P.?

The most common issue consumers report about Southwest Credit Systems, L.P. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 6,376 complaints filed with the CFPB.

Are complaints against Southwest Credit Systems, L.P. increasing or decreasing?

Complaints against Southwest Credit Systems, L.P. have been stable. The company received 1,350 complaints in the last 12 months.

What is Southwest Credit Systems, L.P.'s reputation grade?

Southwest Credit Systems, L.P. has a reputation grade of D (score: 51.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Southwest Credit Systems, L.P. respond to consumer complaints?

Southwest Credit Systems, L.P. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.

In how many states does Southwest Credit Systems, L.P. operate?

Southwest Credit Systems, L.P. has received CFPB complaints from consumers in 54 states, with the most complaints from Texas (886 complaints).

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

Southwest Credit Systems, L.P. - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

2,818
Written notification about debt

1,237
False statements or representation

603
Took or threatened to take negative or legal action

578
Cont'd attempts collect debt not owed

529
Communication tactics

309

Data updated September 2026

CFPB complaint disposition

CCDB record southwest-credit-systems-lp Southwest Credit Systems, L.P.

Grade D · 6,376 CFPB filings · 95% timely · lead issue: Attempts to collect debt not owed · vol #27 · compose #3925

VOL 6,376
GRADE D
12MO 1,350
STATES 54
TIMELY 95%
DISPUTE 16%
ISSUE Attempts to collect debt n…
RANK #27
COMPOSE #3,925

Volume peers

Nearest volume peer: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (6,324 complaints)

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

Southwest Credit Systems, L.P.'s 6,376 CFPB complaints sit next to Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis 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 →

Distributed filing map

Southwest Credit Systems, L.P. spreads filings across 54 states - Texas leads at only 13.9%

Despite a broad state map, Southwest Credit Systems, L.P. still sits volume #27 against composite #3,925 - the two RankMaps diverge by 3,898 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 13.9% across 54 states
Seasonal peak: 2025-08 11.1%; 8–15% band · 3 filings
Divergent corpus ranks: #27 volume; #3,925 composite; Cleanest-composite ladder is 3,898 places worse than volume

How does Southwest Credit Systems, L.P. compare to its peers?

How does Southwest Credit Systems, L.P. 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 Credit Syste… National average

Complaints (last 12 mo)lower is better

1,350

2,396

268

Timely-response ratehigher is better

95%

100%

91%

Consumer-dispute ratelower is better

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-01 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2,818
Written notification about debt	1,237
False statements or representation	603
Took or threatened to take negative or legal action	578
Cont'd attempts collect debt not owed	529
Communication tactics	309
Disclosure verification of debt	203
Electronic communications	40
Improper contact or sharing of info	27
Threatened to contact someone or share information improperly	25

Where do complaints against Southwest Credit Systems, L.P. come from?

Southwest Credit Systems, L.P.'s own per-state count, not a national baseline.

Texas

886
Florida

594
California

548
Pennsylvania

538
Georgia

396
Maryland

363
New Jersey

292
Illinois

275

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Southwest Credit Systems, L.P.: 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: 6,376.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 95.06704188048336%.

4 peers

Know your rights before responding to Southwest Credit Systems, L.P.: 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.