Auto lender · complaint record
Southwest Acceptance Finance complaints
Filed under Southwest Acceptance Finance Co
Consumers have filed 11 complaints about Southwest Acceptance Finance since 2019, 6 of them in the last 12 months. It answered 50% on time and closed 0% with relief for the customer. The most common problem is repossession.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 11
- Last 12 months
- 6
- Answered on time
- 50%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #64 of 193
Since April 2019
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Jun 8, 2026
Most complained-about auto lenders
Southwest Acceptance Finance complaints by month
The busiest month was April 2026 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Southwest Acceptance Finance answered all time
- Closed with explanation11100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Southwest Acceptance Finance complaints are about
Top Southwest Acceptance Finance problems
Inside "Repossession"
- Lender trying to repossess or disable the vehicle 2
- Company explaining amount owed 1
- Deficiency balance after repossession 1
Southwest Acceptance Finance compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | Southwest Acceptance FinanceAuto loans & leases | - | 6 | - |
Compare side by side: Southwest Acceptance Finance vs The Savings Group · Southwest Acceptance Finance vs AC AutoPay LLC, Denver, CO Branch · Southwest Acceptance Finance vs CARS Acquisition · Southwest Acceptance Finance vs EA Holdings
What people say about Southwest Acceptance Finance
All experiencesNo experiences with Southwest Acceptance Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Southwest Acceptance Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jun 8, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | Explained |
| May 7, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Apr 28, 2026 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | Explained |
| Apr 21, 2026 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | Explained |
| Apr 3, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jan 5, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Jan 30, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 21, 2024 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Jun 7, 2021 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Mar 2, 2021 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 4, 2019 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
Questions about Southwest Acceptance Finance
How many complaints does Southwest Acceptance Finance have?
Southwest Acceptance Finance has 11 complaints on record since April 2019, including 6 in the last 12 months and 0 in the last 30 days. That makes it number 1,757 of every company by complaints this year.
Does Southwest Acceptance Finance respond to complaints?
Yes. Southwest Acceptance Finance answered 50% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Southwest Acceptance Finance?
The most common problems are repossession (4), managing the loan or lease (2), incorrect information on your report (1).
Is Southwest Acceptance Finance legit?
Southwest Acceptance Finance is a real company with a public complaint record: consumers have complained about it 11 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Southwest Acceptance Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Southwest Acceptance Finance?
Complain to Southwest Acceptance Finance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Southwest Acceptance Finance complaints come from?
Most come from Florida (9), Kentucky (1), Maryland (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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