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

Data updated July 2026

D

Grade D · 54.4/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Southwest Credit Systems, L.P. ranks ahead of 23% of the 5,283 collectors PlainCollector grades - 77% keep a cleaner CFPB record, on 6,376 all-time complaints and a 95% timely-response rate.

23rd pct
reputation rank of 5,283 graded collectors
6,376
CFPB complaints, all-time
95%
answered inside the CFPB window
1,350
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Southwest Credit Systems, L.P.?

Southwest Credit Systems, L.P. has accumulated 6,376 total CFPB complaints across 54 states, with 1,350 filed in the most recent 12 months against 5,026 historical complaints before that window. The trailing-12-month volume represents 21.2% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 95% timely-response rate against a 16% consumer-dispute-after-response rate.

Complaints have been recorded across 54 states, led by Texas with 886 and Florida with 594. Normalized against the full CFPB collector database, the reputation score of 54.4/100 places Southwest Credit Systems, L.P. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

6,376

high-volume (CCDB)

Last 12 months

1,350

21.2% of all-time complaints

Stable →

States active

54

nationwide footprint

Timely response rate

95%

excellent band

Consumer disputes

16%

average (vertical avg ~19%)

Reputation grade

D

54.4/100 composite

How does Southwest Credit Systems, L.P.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

54 Bottom 23% higher than 23% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Southwest Credit Systems, L.P. versus the debt-collection vertical average.

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) 16.3%
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?

How does Southwest Credit Systems, L.P. compare? Versus a similar-volume peer and the national average, 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%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-01 2026-02

Issue Detail Breakdown

Issue Sub-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

What to do if Southwest Credit Systems, L.P. contacts you

A grade of D signals how Southwest Credit Systems, L.P.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Southwest Credit Systems, L.P. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Southwest Credit Systems, L.P. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 6,376 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: 54.4/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.