Total CFPB complaints
6,041
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 6,041 complaints
Southwest Credit Systems, L.P. — Debt Collector Complaint Profile
CFPB complaint profile across 54 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Southwest Credit Systems, L.P.
- Attempts to collect debt not owed
Attempts to collect debt not owed
2,646 complaints
- Written notification about debt
Written notification about debt
1,133 complaints
- False statements or representation 520
False statements or representation
520 complaints
- Cont'd attempts collect debt not owed 463
Cont'd attempts collect debt not owed
463 complaints
- Took or threatened to take negative or legal action 460
Took or threatened to take negative or legal action
460 complaints
- Communication tactics 192
Communication tactics
192 complaints
D
Grade D · 54.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Southwest Credit Systems, L.P.?
Southwest Credit Systems, L.P. has accumulated 6,041 total CFPB complaints across 54 states, with 1,409 filed in the most recent 12 months against 4,632 historical complaints before that window. The trailing-12-month volume represents 23.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 95% timely-response rate against a 16% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 54 states, led by Texas with 809 and Florida with 561, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.4/100 places Southwest Credit Systems, L.P. 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
1,409
23.3% of total history
Rising ↑
States active
54
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
D
54.4/100 composite
Response-quality profile
How Southwest Credit Systems, L.P. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 32.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 96.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Southwest Credit Systems, L.P. compare to its peers?
Southwest Credit Syste… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed2,646 (%)
Written notification about debt1,133 (%)
False statements or representation520 (%)
Took or threatened to take negative or legal action460 (%)
Cont'd attempts collect debt not owed463 (%)
Communication tactics192 (%)
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 | 1,597 |
| Written notification about debt | Didn't receive enough information to verify debt | 724 |
| Attempts to collect debt not owed | Debt was result of identity theft | 701 |
| False statements or representation | Attempted to collect wrong amount | 520 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 460 |
| Written notification about debt | Didn't receive notice of right to dispute | 409 |
| Attempts to collect debt not owed | Debt was paid | 348 |
| Cont'd attempts collect debt not owed | Debt is not mine | 314 |
| Communication tactics | Frequent or repeated calls | 192 |
| Cont'd attempts collect debt not owed | Debt was paid | 149 |
Where do complaints against Southwest Credit Systems, L.P. come from?
The states where consumers have filed the most CFPB complaints against Southwest Credit Systems, L.P.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Southwest Credit Systems, L.P.
Across 54 states with at least one filing
- Texas
Texas
809 complaints
- Florida
Florida
561 complaints
- California
California
530 complaints
- Pennsylvania
Pennsylvania
508 complaints
- Georgia
Georgia
372 complaints
- Maryland
Maryland
347 complaints
- New Jersey 284
New Jersey
284 complaints
- Illinois 260
Illinois
260 complaints
Frequently Asked Questions
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 6,041 complaints filed with the CFPB.
Are complaints against Southwest Credit Systems, L.P. increasing or decreasing? ▼
Complaints against Southwest Credit Systems, L.P. are rising. The company received 1,409 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Southwest Credit Systems, L.P.'s reputation grade? ▼
Southwest Credit Systems, L.P. has a reputation grade of D (score: 54.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (809 complaints).
What can I do if Southwest Credit Systems, L.P. 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 Credit Systems, L.P. 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 |