Data / Consumer complaints / Southwest Recovery Services, Inc. / Debt collection
Southwest Recovery Services, Inc.: 486 CFPB complaints about debt collection, last 3 years
Updated November 7, 2026. Source: CFPB Consumer Complaint Database.
Southwest Recovery Services, Inc. drew 486 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 79.4% of its 612 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 73.3% of them, and 0.4% closed with monetary or other relief.
The request: Watch Southwest Recovery Services, Inc.: 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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- 486Complaints, last 3 years
- 79.4%Share of the company's complaints
- 73.3%Responded on time
- 0.4%Closed with relief
- Oct 22, 2026Latest received
By period
The three years are cut into 12 month periods ending on the date of the latest data.
| Period | Complaints | Share |
|---|---|---|
| 12 months to Nov 6, 2026 | 212 | 43.6% |
| 12 months to Nov 6, 2025 | 154 | 31.7% |
| 12 months to Nov 6, 2024 | 120 | 24.7% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 206 | 42.4% |
| Took or threatened to take negative or legal action | 123 | 25.3% |
| Written notification about debt | 74 | 15.2% |
| False statements or representation | 57 | 11.7% |
| Communication tactics | 11 | 2.3% |
| Electronic communications | 10 | 2.1% |
| Threatened to contact someone or share information improperly | 5 | 1% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 426 | 87.7% |
| Untimely response | 58 | 11.9% |
| Closed with non-monetary relief | 2 | 0.4% |
States
Where the consumers who complained live, as they gave it to the CFPB.
| State | Complaints | Share |
|---|---|---|
| Texas | 303 | 62.3% |
| Florida | 27 | 5.6% |
| Georgia | 27 | 5.6% |
| North Carolina | 10 | 2.1% |
| Louisiana | 9 | 1.9% |
| Illinois | 8 | 1.6% |
| Arizona | 7 | 1.4% |
| Indiana | 7 | 1.4% |
| Missouri | 7 | 1.4% |
| Mississippi | 7 | 1.4% |
| New Jersey | 7 | 1.4% |
| Ohio | 7 | 1.4% |
| Oklahoma | 7 | 1.4% |
| Tennessee | 7 | 1.4% |
| New Mexico | 5 | 1% |
| California | 4 | 0.8% |
| Kansas | 4 | 0.8% |
| Virginia | 4 | 0.8% |
| Alabama | 3 | 0.6% |
| Michigan | 3 | 0.6% |
| Arkansas | 2 | 0.4% |
| Connecticut | 2 | 0.4% |
| Massachusetts | 2 | 0.4% |
| Minnesota | 2 | 0.4% |
| New York | 2 | 0.4% |
Latest 25 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 22, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| October 21, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| October 21, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| October 15, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| October 14, 2026 | Debt collection | Communication tactics | Untimely response | consumerfinance.gov |
| October 14, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| October 13, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| October 12, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| October 10, 2026 | Debt collection | False statements or representation | Untimely response | consumerfinance.gov |
| October 9, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| October 9, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| October 8, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| October 7, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| October 6, 2026 | Debt collection | Communication tactics | Untimely response | consumerfinance.gov |
| October 5, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| October 1, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 25, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 25, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| September 22, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| September 22, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 17, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 17, 2026 | Debt collection | Threatened to contact someone or share information improperly | Untimely response | consumerfinance.gov |
| September 17, 2026 | Debt collection | Communication tactics | Untimely response | consumerfinance.gov |
| September 17, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| September 9, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
Also on SpecStream
- All Southwest Recovery Services, Inc. complaints
- Every company with Debt collection complaints
- All consumer complaints
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.