CFPB · Lighter filing volume
Southwest Recovery Services, Inc.
1.0K CFPB complaints (light-volume third) · 48 states · top issue Attempts to collect debt not owed.
Southwest Recovery Services, Inc. is in the light-volume third with 1.0K CFPB complaints (ranks #335 of 342). Timely 91.4% · relief 0.3% · top product Debt collection. Allegations, not findings.
- Lighter filing volume
- +2900% filings 2013 to 2026
CFPB relief outcome brief
CCDB company southwest-recovery-services-inc
0.3% relief · 91.4% timely · 1.0K filings · Debt collection
Same-product relief peers
Nearest relief peer: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (0.3% relief)
Southwest Recovery Services, Inc. closes 0.3% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Southwest Recovery Services, Inc. scores strongest on closed with explanation (94/100 percentile-benchmarked) and weakest on relief provided (1/100), 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
1 / 100 percentile-benchmarked
0.3% of complaints closed with relief to the consumer
Timely response
85 / 100 percentile-benchmarked
91.4% of complaints answered inside the CFPB 15-day window
Closed with explanation
94 / 100 percentile-benchmarked
97% of complaints closed with an explanation to the consumer
Most of Southwest Recovery Services, Inc.'s 1.0K filings include narrative text
41.7% 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 Recovery Services, Inc. complaint mix by product
- Debt collection 804 78.7% – 0% relief
- Credit reporting 108 10.6% – 0% relief
- Credit reporting, 102 10.0% – 0% relief
- Debt or 3 0.3% – 0% relief
- Credit card 2 0.2% – 0% relief
- Consumer Loan 2 0.2% – 0% relief
- Payday loan, 1 0.1% – 0% relief
Lighter-volume mix: how Southwest Recovery Services, Inc.'s 1.0K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 804 |
| Credit reporting or other personal consumer reports | 108 |
| Credit reporting, credit repair services, or other personal consumer reports | 102 |
| Debt or credit management | 3 |
| Credit card | 2 |
| Consumer Loan | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Payday loan, title loan, or personal loan | 1 |
Concentrated filing states for Southwest Recovery Services, Inc.
Top states by attributed volume, lighter-filing company
- Leading state
- TX
- 51.7% of this company's filings
Southwest Recovery Services, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 120
- +2900% vs 2013
Volume vs. relief
Where Southwest Recovery Services, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Southwest Recovery Services, Inc. files more complaint volume than 2% of them, and closes complaints with relief more often than 27% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,023 · Closed with relief: 0.3%
Top States
| State | Complaints |
|---|---|
| TX | 529 |
| FL | 81 |
| GA | 48 |
| CA | 29 |
| OH | 24 |
| OK | 23 |
| AZ | 22 |
| IL | 21 |
| NC | 19 |
| NJ | 19 |
| LA | 17 |
| TN | 16 |
| VA | 14 |
| NY | 13 |
| NV | 12 |
| MS | 12 |
| MI | 11 |
| MO | 10 |
| SC | 10 |
| PA | 9 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 358 |
| Written notification about debt | 129 |
| Took or threatened to take negative or legal action | 126 |
| Incorrect information on your report | 110 |
| False statements or representation | 86 |
| Improper use of your report | 43 |
| Communication tactics | 35 |
| Problem with a credit reporting company's investigation into an existing problem | 31 |
| Problem with a company's investigation into an existing problem | 26 |
| 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 |
| Unauthorized withdrawals or charges | 2 |
| Improper contact or sharing of info | 2 |
| Problem with a company's investigation into an existing issue | 1 |
| Problem with a purchase shown on your statement | 1 |
| Charged upfront or unexpected fees | 1 |
| Can't contact lender | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 4 | 50% |
| 2014 | 14 | 92.9% |
| 2015 | 15 | 100% |
| 2016 | 23 | 95.7% |
| 2017 | 35 | 100% |
| 2018 | 51 | 96.1% |
| 2019 | 18 | 100% |
| 2020 | 49 | 100% |
| 2021 | 51 | 100% |
| 2022 | 133 | 97.7% |
| 2023 | 132 | 97.7% |
| 2024 | 133 | 97% |
| 2025 | 245 | 95.1% |
| 2026 | 120 | 50% |
Source: CFPB Consumer Complaint Database
Southwest Recovery Services, Inc. in the light-volume third
Southwest Recovery Services, Inc.'s 1,023 logged complaints reach a nationwide footprint - 48 states have at least one filing. 41.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-26. Volume lands in the lightest third of the indexed company corpus (#335 of 342).
Southwest Recovery Services, Inc. answers 91.4% of complaints inside the CFPB's tracked window and closes 97% with a written explanation. 0.3% 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 Recovery Services, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Southwest Recovery 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: 1.0K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 91.4%.
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 Recovery Services, Inc. (#335 of 342; 91.4% timely; 0.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lighter filing volume