Debt collector · complaint record
Southwest Credit Systems complaints
Filed under Southwest Credit Systems, L.P.
Consumers have filed 8,315 complaints about Southwest Credit Systems since 2013, 1,341 of them in the last 12 months (-26% on the year before). It answered 100% on time and closed 100% with relief for the customer - more often than a typical debt collector. The most common problem is attempts to collect debt not owed. It is the 37th most complained-about of 1,963 debt collectors this year.
Strong response record. How it works
- Complaints on record
- 8,315
- Last 12 months
- 1,341
- Answered on time
- 100%
- Closed with relief
- 100%
- Last 30 days
- 31
- Rank
- #37 of 1,963
Since July 2013
-26% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 31, 2026
Most complained-about debt collectors
Southwest Credit Systems complaints by month
The busiest month was July 2025 (199 complaints). Complaints in the last 12 months are down 26% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Southwest Credit Systems answered last 12 months
- Closed with non-monetary relief1,33999.9%
- In progress20.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers40/40100% closed with relief
- Complaint trend15/15-26% vs last year
What Southwest Credit Systems complaints are about
Top Southwest Credit Systems problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 1,814
- Debt was result of identity theft 747
- Debt was paid 371
- Debt was already discharged in bankruptcy and is no longer owed 38
Where Southwest Credit Systems complaints come from
Most complaints: Texas (1,172), Florida (782), Pennsylvania (774), California (700), Georgia (517).
Southwest Credit Systems compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | World Acceptance (World Finance)Debt collection | 67 | 1,410 | B |
| 2 | NRA GroupDebt collection | 51 | 1,397 | C |
| 3 | BTH ManagementDebt collection | 43 | 1,379 | D |
| 4 | Collection ManagementDebt collection | 52 | 1,357 | C |
| 5 | Enova (CashNetUSA, NetCredit)Debt collection | 53 | 1,345 | C |
| 6 | Southwest Credit SystemsDebt collection | 100 | 1,341 | A |
| 7 | CavalryDebt collection | 66 | 1,333 | B |
| 8 | The CBE GroupDebt collection | 91 | 1,328 | A |
Compare side by side: Southwest Credit Systems vs World Acceptance · Southwest Credit Systems vs NRA Group · Southwest Credit Systems vs BTH Management · Southwest Credit Systems vs Collection Management
What people say about Southwest Credit Systems
All experiencesNo experiences with Southwest Credit Systems yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Southwest Credit Systems complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 31, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Oct 31, 2026 | Credit reporting | Improper use of your reportReceived unsolicited financial product or insurance offers after opting out | Fixed |
| Oct 31, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Oct 31, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 28, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
Questions about Southwest Credit Systems
How many complaints does Southwest Credit Systems have?
Southwest Credit Systems has 8,315 complaints on record since July 2013, including 1,341 in the last 12 months and 31 in the last 30 days. That makes it number 104 of every company by complaints this year.
Does Southwest Credit Systems respond to complaints?
Yes. Southwest Credit Systems answered 100% of its complaints on time (within 15 days) and closed 100% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 100/100 (grade A).
What do people complain about most with Southwest Credit Systems?
The most common problems are attempts to collect debt not owed (2,970), took or threatened to take negative or legal action (623), written notification about debt (1,293).
Is Southwest Credit Systems legit?
Southwest Credit Systems is a real company with a public complaint record: consumers have complained about it 8,315 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Southwest Credit Systems legit? for the signals, red flags and how to protect yourself.
Are complaints about Southwest Credit Systems going up or down?
Down. There were 1,341 complaints in the last 12 months against 1,823 in the 12 before (-26%). See every month.
How do I file a complaint against Southwest Credit Systems?
Complain to Southwest Credit Systems 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 Credit Systems complaints come from?
Most come from Texas (1,172), Florida (782), Pennsylvania (774). 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
Talk about Southwest Credit Systems
No comments yet. Start the conversation - questions are welcome too.