CFPB · Narrative-heavy record
Southwest Acceptance Finance Co
11 CFPB complaints · 54.5% with narratives · top issue Repossession.
Southwest Acceptance Finance Co: 54.5% of 11 filings include consumer narratives. Timely 45.5% · relief 0% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- +500% filings 2019 to 2026
CFPB relief outcome brief
CCDB company southwest-acceptance-finance-co
0% relief · 45.5% timely · 11 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BMW Financial Services NA, LLC (0% relief)
Southwest Acceptance Finance Co closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Southwest Acceptance Finance Co scores strongest on closed with explanation (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
5 / 100 percentile-benchmarked
45.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
Most of Southwest Acceptance Finance Co's 11 filings include narrative text
54.5% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Southwest Acceptance Finance Co complaint mix by product
- Vehicle loan 7 63.6% – 0% relief
- Debt collection 2 18.2% – 0% relief
- Credit reporting 1 9.1% – 0% relief
- Credit reporting, 1 9.1% – 0% relief
How Southwest Acceptance Finance Co's 11 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 7 |
| Debt collection | 2 |
| Credit reporting or other personal consumer reports | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Southwest Acceptance Finance Co
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 81.8% of this company's filings
Southwest Acceptance Finance Co rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 6
- +500% vs 2019
Top States
| State | Complaints |
|---|---|
| FL | 9 |
| MD | 1 |
| KY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Repossession | 4 |
| Managing the loan or lease | 2 |
| Attempts to collect debt not owed | 1 |
| Incorrect information on your report | 1 |
| Struggling to pay your loan | 1 |
| False statements or representation | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 1 | 0% |
| 2021 | 2 | 100% |
| 2024 | 1 | 0% |
| 2025 | 1 | 0% |
| 2026 | 6 | 50% |
Source: CFPB Consumer Complaint Database
Southwest Acceptance Finance Co's narrative-rich complaint ledger
Southwest Acceptance Finance Co's 11 logged complaints stay concentrated: only 3 states show a filing. 54.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2019 through 2026-06-08.
Southwest Acceptance Finance Co answers 45.5% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Repossession."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Southwest Acceptance Finance Co.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Southwest Acceptance Finance Co: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 11.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 45.5%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Southwest Acceptance Finance Co (45.5% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record