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Data / Consumer complaints / Southwest Credit Systems, L.P. / Debt collection

Southwest Credit Systems, L.P.: 3,046 CFPB complaints about debt collection, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Southwest Credit Systems, L.P. drew 3,046 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 75.9% of its 4,011 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 99.9% of them, and 92.5% closed with monetary or other relief.

The request: Watch Southwest Credit Systems, L.P.: each new CFPB complaint about debt collection by issue, with the date and the company response. $10 of work on sign-up, no card.

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  • 3,046Complaints, last 3 years
  • 75.9%Share of the company's complaints
  • 99.9%Responded on time
  • 92.5%Closed with relief
  • Oct 30, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20261,11536.6%
12 months to Nov 6, 20251,32943.6%
12 months to Nov 6, 202460219.8%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1,42146.7%
Written notification about debt59319.5%
Took or threatened to take negative or legal action49016.1%
False statements or representation40713.4%
Communication tactics802.6%
Electronic communications441.4%
Threatened to contact someone or share information improperly110.4%

How the company responded

Company responseComplaintsShare
Closed with non-monetary relief2,81892.5%
Closed with explanation2267.4%
In progress20.1%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Texas52417.2%
Pennsylvania2879.4%
Florida2869.4%
Georgia2066.8%
California1956.4%
Maryland1585.2%
Illinois1555.1%
New Jersey1454.8%
Virginia1123.7%
North Carolina943.1%
New York652.1%
South Carolina642.1%
Delaware632.1%
Michigan581.9%
Louisiana551.8%
Ohio501.6%
Arizona471.5%
Mississippi431.4%
Massachusetts411.3%
Alabama391.3%
Missouri371.2%
Tennessee321.1%
Indiana301%
Connecticut280.9%
Arkansas240.8%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 30, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 26, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 25, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 22, 2026Debt collectionTook or threatened to take negative or legal actionClosed with non-monetary reliefconsumerfinance.gov
October 22, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 21, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
October 21, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
October 20, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
October 20, 2026Debt collectionCommunication tacticsClosed with non-monetary reliefconsumerfinance.gov
October 19, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
October 16, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with non-monetary reliefconsumerfinance.gov
October 16, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
October 15, 2026Debt collectionTook or threatened to take negative or legal actionClosed with non-monetary reliefconsumerfinance.gov
October 14, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 14, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 14, 2026Debt collectionCommunication tacticsClosed with non-monetary reliefconsumerfinance.gov
October 13, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
October 13, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.