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

Data updated July 2026

D

Grade D · 54.7/100 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 Recovery Services, Inc. ranks ahead of 24% of the 5,283 collectors PlainCollector grades - 76% keep a cleaner CFPB record, on 807 all-time complaints and a 95% timely-response rate.

24th pct
reputation rank of 5,283 graded collectors
807
CFPB complaints, all-time
95%
answered inside the CFPB window
211
in the last 12 months (stable)

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 Recovery Services, Inc.?

Southwest Recovery Services, Inc. has accumulated 807 total CFPB complaints across 44 states, with 211 filed in the most recent 12 months against 596 historical complaints before that window. The trailing-12-month volume represents 26.1% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 95% timely-response rate against a 19% consumer-dispute-after-response rate.

Complaints have been recorded across 44 states, led by Texas with 410 and Florida with 63. Normalized against the full CFPB collector database, the reputation score of 54.7/100 places Southwest Recovery Services, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

807

mid-volume (CCDB)

Last 12 months

211

26.1% of all-time complaints

Stable →

States active

44

multi-region footprint

Timely response rate

95%

good band

Consumer disputes

19%

average (vertical avg ~19%)

Reputation grade

D

54.7/100 composite

How does Southwest Recovery Services, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

55 Bottom 24% higher than 24% 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 Recovery Services, Inc. versus the debt-collection vertical average.

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) 19.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 78.6%

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

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, drawn from 10 collectors with a comparable complaint count
Southwest Recovery Ser… 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.

Complaint Trend (24 months)

2020-12 2026-01

Issue Detail Breakdown

Issue Sub-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

What to do if Southwest Recovery Services, Inc. contacts you

A grade of D signals how Southwest Recovery Services, Inc.'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 Recovery Services, Inc. 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 Recovery Services, Inc. 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 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: 54.7/100), 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).

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.