Total CFPB complaints
750
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 750 complaints
Southwest Recovery Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 45 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Southwest Recovery Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
336 complaints
- Written notification about debt 118
Written notification about debt
118 complaints
- Took or threatened to take negative or legal action 96
Took or threatened to take negative or legal action
96 complaints
- False statements or representation 76
False statements or representation
76 complaints
- Cont'd attempts collect debt not owed 21
Cont'd attempts collect debt not owed
21 complaints
- Communication tactics 16
Communication tactics
16 complaints
D
Grade D · 54.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Southwest Recovery Services, Inc.?
Southwest Recovery Services, Inc. has accumulated 750 total CFPB complaints across 45 states, with 200 filed in the most recent 12 months against 550 historical complaints before that window. The trailing-12-month volume represents 26.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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 against a 19% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 45 states, led by Texas with 365 and Florida with 62, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.7/100 places Southwest Recovery Services, Inc. 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
200
26.7% of total history
Rising ↑
States active
45
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
D
54.7/100 composite
Response-quality profile
How Southwest Recovery Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 94.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 80.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Southwest Recovery Services, Inc. compare to its peers?
Southwest Recovery Ser… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed336 (%)
Took or threatened to take negative or legal action96 (%)
Written notification about debt118 (%)
False statements or representation76 (%)
Cont'd attempts collect debt not owed21 (%)
Communication tactics16 (%)
Disclosure verification of debt15 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 203 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 96 |
| Attempts to collect debt not owed | Debt was result of identity theft | 94 |
| Written notification about debt | Didn't receive enough information to verify debt | 79 |
| False statements or representation | Attempted to collect wrong amount | 76 |
| Written notification about debt | Didn't receive notice of right to dispute | 39 |
| Attempts to collect debt not owed | Debt was paid | 39 |
| Cont'd attempts collect debt not owed | Debt is not mine | 21 |
| Communication tactics | Frequent or repeated calls | 16 |
| Disclosure verification of debt | Not given enough info to verify debt | 15 |
Where do complaints against Southwest Recovery Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Southwest Recovery Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Southwest Recovery Services, Inc.
Across 45 states with at least one filing
- Texas
Texas
365 complaints
- Florida 62
Florida
62 complaints
- Georgia 36
Georgia
36 complaints
- California 25
California
25 complaints
- Arizona 20
Arizona
20 complaints
- Illinois 19
Illinois
19 complaints
- Oklahoma 17
Oklahoma
17 complaints
- Ohio 17
Ohio
17 complaints
Frequently Asked Questions
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 750 complaints filed with the CFPB.
Are complaints against Southwest Recovery Services, Inc. increasing or decreasing? ▼
Complaints against Southwest Recovery Services, Inc. are rising. The company received 200 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Southwest Recovery Services, Inc.'s reputation grade? ▼
Southwest Recovery Services, Inc. has a reputation grade of D (score: 54.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 45 states, with the most complaints from Texas (365 complaints).
What can I do if Southwest Recovery Services, Inc. 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 Recovery Services, Inc. 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 |