What is the most common complaint against Southwest Recovery Services, Inc.?

The most common issue consumers report about Southwest Recovery Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 807 complaints filed with the CFPB.

Are complaints against Southwest Recovery Services, Inc. increasing or decreasing?

Complaints against Southwest Recovery Services, Inc. have been stable. The company received 211 complaints in the last 12 months.

What is Southwest Recovery Services, Inc.'s reputation grade?

Southwest Recovery Services, Inc. has a reputation grade of D (score: 52.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Southwest Recovery Services, Inc. respond to consumer complaints?

Southwest Recovery Services, Inc. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.

In how many states does Southwest Recovery Services, Inc. operate?

Southwest Recovery Services, Inc. has received CFPB complaints from consumers in 44 states, with the most complaints from Texas (410 complaints).

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

Southwest Recovery Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 44 states, reputation grade D.

Compiled by PlainCollector

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

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 #3881

VOL 807
GRADE D
12MO 211
STATES 44
TIMELY 95%
DISPUTE 19%
ISSUE Attempts to collect debt n…
RANK #179
COMPOSE #3,881

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Southwest Recovery Services, Inc. is volume #179 but composite #3,881, while Texas dominates the geography. 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
Divergent corpus ranks: #179 volume; #3,881 composite; Cleanest-composite ladder is 3,702 places worse than volume

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 Ser… National average

Complaints (last 12 mo)lower is better

211

268

Timely-response ratehigher is better

95%

99%

91%

Consumer-dispute ratelower is better

19%

35%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

410
Florida

63
Georgia

37
California

25
Arizona

20
Illinois

19
Ohio

18
Oklahoma

18

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.