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

CFPB complaint data Grade D 807 complaints

Southwest Recovery Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 44 states, reputation grade D.

Complaints by issue type

What consumers report about Southwest Recovery Services, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record southwest-recovery-services-inc Southwest Recovery Services, Inc.

Grade D · 807 CFPB filings · 95% timely · lead issue: Attempts to collect debt not owed · vol #179 · compose #325

  • VOL 807
  • GRADE D
  • 12MO 211
  • STATES 44
  • TIMELY 95%
  • DISPUTE 19%
  • ISSUE Attempts to collect debt n…
  • RANK #179
  • COMPOSE #325

Volume peers

Nearest volume peer: Select Portfolio Servicing, Inc. (806 complaints)

Continental Finance Company, LLCContinental Finance Company,…795Helvey & Associates, Inc., Warsaw, IN BranchHelvey & Associates, Inc., W…798McCarthy, Burgess & Wolff, Inc.McCarthy, Burgess & Wolff, I…800Select Portfolio Servicing, Inc.Select Portfolio Servicing, …806Southwest Recovery Services, Inc. (this)Southwest Recovery Services,…807
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Southwest Recovery Services, Inc.'s 807 CFPB complaints sit next to Select Portfolio Servicing, Inc. 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 807 complaints break down

Every complaint issue type on record for Southwest Recovery Services, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.0/100
Southwest Recovery Services, Inc.

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
807
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
19%
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.

State-heavy filing map

50.8% of Southwest Recovery Services, Inc.'s CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Texas 50.8%
410 of 807 filings · 44 states touched
Seasonal peak
2023-09 10.0%
8–15% band · 3 filings
Corpus ranks
#179 volume
#325 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Southwest Recovery Services, Inc. compare to its peers?

How does Southwest Recovery Services, Inc. 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 Recovery Services, Inc. National average
Complaints (last 12 mo)lower is better
211
39
268
Timely-response ratehigher is better
95%
99%
91%
Consumer-dispute ratelower is better
19%
35%
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 Recovery Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 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 75%80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Southwest Recovery Services, Inc. vs. 10 similar-volume peers, by response speed and dispute rate Southwest Recovery Services, Inc.SELECT PORTFOLIO SERVICING, INC.McCarthy, Burgess & Wolff, Inc.Helvey & Associates, Inc., Warsaw, IN BranchContinental Finance Company, LLCWeltman, Weinberg & Reis Co., L.P.A.Linebarger Goggan Blair & Sampson LLPArmy and Air Force Exchange ServiceJH Portfolio Debt Equities, LLCCollection Bureau of America Ltd.HYUNDAI CAPITAL AMERICA
Source: CFPB Consumer Complaint Database

Southwest Recovery Services, Inc.'s complaint volume in context

Southwest Recovery Services, Inc. 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)

807 Top 3% higher than 97% 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 Recovery Services, Inc. 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 →
2020-12 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
358
Written notification about debt
130
Took or threatened to take negative or legal action
130
False statements or representation
87
Communication tactics
32
Cont'd attempts collect debt not owed
25
Disclosure verification of debt
19
Threatened to contact someone or share information improperly
11
Electronic communications
9
Taking/threatening an illegal action
4

Where do complaints against Southwest Recovery Services, Inc. come from?

Southwest Recovery Services, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Southwest Recovery Services, Inc.

Across 44 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 Recovery Services, Inc.: 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: 807.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 94.8%.

4 peers

Know your rights before responding to Southwest Recovery Services, Inc.: 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.