CFPB · Single-product concentration
Southwest Collection Services Inc.
61 CFPB complaints · 82% in "Debt collection" · top issue Attempts to collect debt not owed.
Southwest Collection Services Inc.: 82% of 61 CFPB complaints sit in "Debt collection". Timely 100% · relief 8.2%. Allegations, not findings.
- Single-product concentration
- -12.5% filings 2018 to 2025
CFPB relief outcome brief
CCDB company southwest-collection-services-inc
8.2% relief · 100% timely · 61 filings · Debt collection
Same-product relief peers
Nearest relief peer: NRA Group, LLC (8.1% relief)
Southwest Collection Services Inc. closes 8.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Southwest Collection Services Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (38/100), 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
38 / 100 percentile-benchmarked
8.2% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
85 / 100 percentile-benchmarked
91.8% of complaints closed with an explanation to the consumer
Most of Southwest Collection Services Inc.'s 61 filings include narrative text
50.8% 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 Collection Services Inc. complaint mix by product
- Debt collection 50 82.0% – 8% relief
- Credit reporting, 9 14.8% – 11% relief
- Credit reporting 2 3.3% – 0% relief
How Southwest Collection Services Inc.'s 61 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 50 |
| Credit reporting, credit repair services, or other personal consumer reports | 9 |
| Credit reporting or other personal consumer reports | 2 |
Concentrated filing states for Southwest Collection Services Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 86.9% of this company's filings
Southwest Collection Services Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 7
- -12.5% vs 2018
Top States
| State | Complaints |
|---|---|
| CA | 53 |
| NV | 2 |
| AZ | 1 |
| FL | 1 |
| AR | 1 |
| LA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 22 |
| Took or threatened to take negative or legal action | 10 |
| False statements or representation | 9 |
| Incorrect information on your report | 8 |
| Written notification about debt | 7 |
| Communication tactics | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 8 | 100% |
| 2019 | 12 | 100% |
| 2020 | 9 | 100% |
| 2021 | 16 | 100% |
| 2022 | 3 | 100% |
| 2023 | 1 | 100% |
| 2024 | 5 | 100% |
| 2025 | 7 | 100% |
Source: CFPB Consumer Complaint Database
Southwest Collection Services Inc. filings cluster in one product
Southwest Collection Services Inc.'s 61 logged complaints stay concentrated: only 6 states show a filing. 50.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2025-12-05.
Southwest Collection Services Inc. answers 100% of complaints inside the CFPB's tracked window and closes 91.8% with a written explanation. 8.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
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 Collection Services Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Southwest Collection Services Inc.: 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: 61.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Collection Services Inc. (100% timely; 8.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration