Debt collection
Southwest Credit Systems: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 213
- Closed with money back
- 0%
- 2023 to 2025
- 56 to 99
Servicemembers filed 6.2% of Southwest Credit Systems's 3,450 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 56 in 2023 to 99 in 2025.
What the complaints are about
By product
| Debt collection | 163 |
| Credit reporting or other personal consumer reports | 37 |
| Credit reporting, credit repair services, or other personal consumer reports | 10 |
| Debt or credit management | 2 |
| Credit card | 1 |
By issue
| Attempts to collect debt not owed | 90 |
| Written notification about debt | 36 |
| Incorrect information on your report | 23 |
| False statements or representation | 18 |
| Improper use of your report | 14 |
| 2023: 56 | 2024: 58 | 2025: 99 |
Which accounts, specifically
| Telecommunications debt | 81 |
| Credit reporting | 47 |
| I do not know | 42 |
| Other debt | 41 |
| Credit card debt | 4 |
What went wrong, specifically
| Debt is not yours | 50 |
| Debt was result of identity theft | 33 |
| Didn't receive notice of right to dispute | 20 |
| Didn't receive enough information to verify debt | 19 |
| Attempted to collect wrong amount | 17 |
Busiest month: July 2025, with 17 servicemember complaints. Most were submitted by web.
Most complaints came from TX (42), CA (19), FL (19) , then GA, PA, NC.
How Southwest Credit Systems answered
| Closed with non-monetary relief | 145 | 68% |
| Closed with explanation | 68 | 32% |
Southwest Credit Systems responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Improper use of your report. VA, 2024-08-23. Outcome: Closed with non-monetary relief. Complaint 9903824
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Debt collection; Attempts to collect debt not owed. CA, 2024-08-09. Outcome: Closed with non-monetary relief. Complaint 9777413
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Debt collection; Attempts to collect debt not owed. MI, 2024-08-12. Outcome: Closed with non-monetary relief. Complaint 9772161
If this is your problem at Southwest Credit Systems
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- W&A Intermediate 221 servicemember complaints; 0% with money back
- NCB Management Services 199 servicemember complaints; 0% with money back
- National Credit Adjusters 230 servicemember complaints; 0% with money back
- Sunrise Credit Services 230 servicemember complaints; 0% with money back
- ProCollect 245 servicemember complaints; 0% with money back
Next in the directory by volume: Enova International, Servicer under contract with Federal Student Aid, Regions.
Frequently asked questions
How many complaints did servicemembers file against Southwest Credit Systems?
213 complaints tagged servicemember were received by the CFPB about Southwest Credit Systems, L.P. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 56 in 2023 to 99 in 2025.
What do servicemembers complain about most at Southwest Credit Systems?
Debt collection accounts for 163 of the 213 complaints, and the most common issue is "Attempts to collect debt not owed" (90). Next: "Written notification about debt" (36).
Does Southwest Credit Systems give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 145 closed with non-monetary relief and 68 closed with an explanation only. Southwest Credit Systems answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.