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

CFPB complaint data Grade D 23 complaints

Southwest Mediation Service - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Complaints by issue type

What consumers report about Southwest Mediation Service

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 59.2/100 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 Mediation Service ranks ahead of 40% of the 5,283 collectors PlainCollector grades - 60% keep a cleaner CFPB record, on 23 all-time complaints and a 95% timely-response rate.

40th pct
reputation rank of 5,283 graded collectors
23
CFPB complaints, all-time
95%
answered inside the CFPB window
1
in the last 12 months (falling)

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 Mediation Service?

Southwest Mediation Service has accumulated 23 total CFPB complaints across 18 states, with 1 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 4.3% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened to sue you for very old debt". The company posts a 95% timely-response rate.

Complaints have been recorded across 18 states, led by Florida with 2 and Michigan with 2. Normalized against the full CFPB collector database, the reputation score of 59.2/100 places Southwest Mediation Service in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

23

low-volume (CCDB)

Last 12 months

1

4.3% of all-time complaints

Falling ↓

States active

18

regional footprint

Timely response rate

95%

excellent band

Reputation grade

D

59.2/100 composite

How does Southwest Mediation Service's reputation rank nationally?

Reputation score vs. every graded collector

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

59 40th percentile higher than 40% 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 Mediation Service versus the debt-collection vertical average.

Timely response within SLA 95.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 32.1%

Share of US states + territories with at least one filed complaint against this collector.

How does Southwest Mediation Service compare to its peers?

How does Southwest Mediation Service compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Southwest Mediation Se… National average
Complaints (last 12 mo)lower is better
1
0
268
Timely-response ratehigher is better
95%
83%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-04 2025-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 14
Attempts to collect debt not owed - 4
False statements or representation - 2
Communication tactics - 2
Threatened to contact someone or share information improperly - 1

Where do complaints against Southwest Mediation Service come from?

Southwest Mediation Service's own per-state count, not a national baseline.

Top states by complaints against Southwest Mediation Service

Across 18 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Southwest Mediation Service contacts you

A grade of D signals how Southwest Mediation Service'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 Mediation Service 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 Mediation Service 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 Mediation Service? ▼

The most common issue consumers report about Southwest Mediation Service is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 23 complaints filed with the CFPB.

Are complaints against Southwest Mediation Service increasing or decreasing? ▼

Complaints against Southwest Mediation Service are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Southwest Mediation Service's reputation grade? ▼

Southwest Mediation Service has a reputation grade of D (score: 59.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Southwest Mediation Service respond to consumer complaints? ▼

Southwest Mediation Service has a 95% timely response rate to CFPB complaints.

In how many states does Southwest Mediation Service operate? ▼

Southwest Mediation Service has received CFPB complaints from consumers in 18 states, with the most complaints from Florida (2 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.