Debt collection
Southwest Credit Systems debt collection complaints
Consumers have filed 6,668 complaints about Southwest Credit Systems's debt collection, 1,087 in the last 12 months (-19%). Southwest Credit Systems answered 100% on time and closed 100% with relief. See the whole Southwest Credit Systems record.
Southwest Credit Systems against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Southwest Credit Systems | 1,087 | 100% | 100% |
Latest Southwest Credit Systems debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 31, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | 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 |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 26, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Oct 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Oct 21, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Oct 21, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Oct 20, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Fixed |
| Oct 20, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Fixed |
| Oct 19, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Oct 16, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Fixed |
| Oct 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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