Debt collector · complaint record
Southwest Recovery Services complaints
Filed under Southwest Recovery Services, Inc.
Consumers have filed 1,113 complaints about Southwest Recovery Services since 2013, 255 of them in the last 12 months (+21% on the year before). It answered 39.2% on time and closed 1% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Poor response record. How it works
- Complaints on record
- 1,113
- Last 12 months
- 255
- Answered on time
- 39.2%
- Closed with relief
- 1%
- Last 30 days
- 9
- Rank
- #115 of 1,963
Since July 2013
+21% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 27, 2026
Most complained-about debt collectors
Southwest Recovery Services complaints by month
The busiest month was November 2025 (29 complaints). Complaints in the last 12 months are up 21% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Southwest Recovery Services answered last 12 months
- Closed with non-monetary relief20.8%
- Closed with explanation17468.2%
- Untimely response7931%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4539.2% on time
- Relief for customers1/401.1% closed with relief
- Complaint trend8/15+21% vs last year
What Southwest Recovery Services complaints are about
Top Southwest Recovery Services problems last 12 months
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 149
- Seized or attempted to seize your property 2
- Collected or attempted to collect exempt funds 1
- Sued you in a state where you do not live or did not sign for the debt 1
- Threatened to arrest you or take you to jail if you do not pay 1
Where Southwest Recovery Services complaints come from
Most complaints: Texas (598), Florida (82), Georgia (51), California (29), Ohio (24).
Southwest Recovery Services compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Property ReceivablesDebt collection | 17 | 269 | F |
| 2 | Revco ManagementDebt collection | 89 | 265 | A |
| 3 | RfnaDebt collection | 57 | 264 | C |
| 4 | Southwest Recovery ServicesDebt collection | 9 | 255 | F |
| 5 | CCM FinanceDebt collection | 0 | 250 | F |
| 6 | AloricaDebt collection | 53 | 250 | C |
| 7 | Sun LoanDebt collection | 61 | 244 | C |
| 8 | Reliant Capital SolutionsDebt collection | 50 | 241 | C |
Compare side by side: Southwest Recovery Services vs Property Receivables · Southwest Recovery Services vs Revco Management · Southwest Recovery Services vs Rfna · Southwest Recovery Services vs CCM Finance
What people say about Southwest Recovery Services
All experiencesNo experiences with Southwest Recovery Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Southwest Recovery Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Oct 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Oct 26, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Oct 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Oct 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Oct 21, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Oct 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Oct 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Oct 15, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 15, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
Questions about Southwest Recovery Services
How many complaints does Southwest Recovery Services have?
Southwest Recovery Services has 1,113 complaints on record since July 2013, including 255 in the last 12 months and 9 in the last 30 days. That makes it number 290 of every company by complaints this year.
Does Southwest Recovery Services respond to complaints?
Yes. Southwest Recovery Services answered 39.2% of its complaints on time (within 15 days) and closed 1% 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 9/100 (grade F).
What do people complain about most with Southwest Recovery Services?
The most common problems are took or threatened to take negative or legal action (154), attempts to collect debt not owed (383), written notification about debt (142).
Is Southwest Recovery Services legit?
Southwest Recovery Services is a real company with a public complaint record: consumers have complained about it 1,113 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Southwest Recovery Services legit? for the signals, red flags and how to protect yourself.
Are complaints about Southwest Recovery Services going up or down?
Up. There were 255 complaints in the last 12 months against 211 in the 12 before (+21%). See every month.
How do I file a complaint against Southwest Recovery Services?
Complain to Southwest Recovery Services 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 Recovery Services complaints come from?
Most come from Texas (598), Florida (82), Georgia (51). 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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