Total CFPB complaints
22
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 22 complaints
Southwest Mediation Service — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Southwest Mediation Service
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
13 complaints
- Attempts to collect debt not owed 4
Attempts to collect debt not owed
4 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
D
Grade D · 59.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Southwest Mediation Service?
Southwest Mediation Service has accumulated 22 total CFPB complaints across 18 states, with 0 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 0.0% 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", 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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 18 states, led by Mississippi with 2 and Pennsylvania with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.2/100 places Southwest Mediation Service 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
0
0.0% of total history
Falling ↓
States active
18
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Reputation grade
D
59.2/100 composite
Response-quality profile
How Southwest Mediation Service performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
Southwest Mediation Se… 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)
2018-11 2024-11
Top Consumer Issues
Took or threatened to take negative or legal action13 (%)
Attempts to collect debt not owed4 (%)
False statements or representation2 (%)
Communication tactics2 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 10 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 2 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
Where do complaints against Southwest Mediation Service come from?
The states where consumers have filed the most CFPB complaints against Southwest Mediation Service. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Southwest Mediation Service
Across 18 states with at least one filing
- Mississippi
Mississippi
2 complaints
- Pennsylvania
Pennsylvania
2 complaints
- Michigan
Michigan
2 complaints
- Florida
Florida
2 complaints
- Colorado
Colorado
1 complaints
- New York
New York
1 complaints
- Louisiana
Louisiana
1 complaints
- New Jersey
New Jersey
1 complaints
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 22 complaints filed with the CFPB.
Are complaints against Southwest Mediation Service increasing or decreasing? ▼
Complaints against Southwest Mediation Service are falling. The company received 0 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 Mississippi (2 complaints).
What can I do if Southwest Mediation Service 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 Mediation Service 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 |