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

CFPB complaint data Grade D 6,376 complaints

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

CFPB complaint profile across 54 states, reputation grade D.

Complaints by issue type

What consumers report about Southwest Credit Systems, L.P.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #340

  • VOL 6,376
  • GRADE D
  • 12MO 1,350
  • STATES 54
  • TIMELY 95%
  • DISPUTE 16%
  • ISSUE Attempts to collect debt n…
  • RANK #27
  • COMPOSE #340

Volume peers

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

T.S. HoldingsT.S. Holdings5,475Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a GenesisRowland Avenue Management, I…6,324Southwest Credit Systems, L.P. (this)Southwest Credit Systems, L.…6,376Radius Global Solutions LLCRadius Global Solutions LLC6,731Spring Oaks Capital, LLCSpring Oaks Capital, LLC7,289
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 →

How the 6,376 complaints break down

Every complaint issue type on record for Southwest Credit Systems, L.P., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.7/100
Southwest Credit Systems, L.P.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
6,376
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
95%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
16%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#27 volume
#340 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Systems, L.P. 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%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Southwest Credit Systems, L.P. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 94%96%98%100%102% 5%10%15%20%25% Timely response rate (%) Dispute rate (%) Southwest Credit Systems, L.P. vs. 7 similar-volume peers, by response speed and dispute rate Southwest Credit Systems, L.P.Radius Global Solutions LLCHW Holding, IncSUNRISE CREDIT SERVICES, INCDISCOVER BANKAMERICAN EXPRESS COMPANYBANK OF AMERICA, NATIONAL ASSOCIATIONConvergent Resources, Inc.
Source: CFPB Consumer Complaint Database

Southwest Credit Systems, L.P.'s complaint volume in context

Southwest Credit Systems, L.P. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

6,376 Top 1% higher than 100% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Southwest Credit Systems, L.P. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
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.

Top states by complaints against Southwest Credit Systems, L.P.

Across 54 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.