Debt collection
Southwest Recovery Services: 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
- 44
- Closed with money back
- 0
- 2023 to 2025
- 20 to 13
Southwest Recovery Services received 510 complaints from everyone in the window; 44 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 44 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count fell from 20 in 2023 to 13 in 2025.
What the complaints are about
By product
| Debt collection | 38 |
| Credit reporting or other personal consumer reports | 3 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
By issue
| Attempts to collect debt not owed | 25 |
| Written notification about debt | 7 |
| Incorrect information on your report | 3 |
| Took or threatened to take negative or legal action | 3 |
| False statements or representation | 2 |
| 2023: 20 | 2024: 11 | 2025: 13 |
Which accounts, specifically
| Other debt | 13 |
| I do not know | 12 |
| Medical debt | 7 |
| Credit reporting | 5 |
| Rental debt | 4 |
What went wrong, specifically
| Debt is not yours | 16 |
| Debt was paid | 6 |
| Their investigation did not fix an error on your report | 3 |
| Didn't receive notice of right to dispute | 3 |
| Debt was result of identity theft | 3 |
Busiest month: June 2023, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from TX (19), FL (4), AZ (3) , then IN, NV, SC.
How Southwest Recovery Services answered
| Closed with explanation | 44 |
Southwest Recovery Services responded within the CFPB's 15-day window on 98% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (5). 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.
-
""
Debt collection; Attempts to collect debt not owed. TX, 2024-07-25. Outcome: Closed with explanation. Complaint 9653366
-
""
Debt collection; Attempts to collect debt not owed. TX, 2024-07-19. Outcome: Closed with explanation. Complaint 9550618
-
""
Debt collection; Attempts to collect debt not owed. IN, 2024-07-03. Outcome: Closed with explanation. Complaint 9415548
If this is your problem at Southwest Recovery Services
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
- Contract Callers 44 servicemember complaints; 0 with money back
- Zwicker & Associates 45 servicemember complaints; 0 with money back
- Waypoint Resource 46 servicemember complaints; 0 with money back
- First Credit Services 42 servicemember complaints; 0 with money back
- Penn Credit 47 servicemember complaints; 0 with money back
Next in the directory by volume: Sunbit, Broker Solutions, Open Dealer Exchange.
Frequently asked questions
How many complaints did servicemembers file against Southwest Recovery Services?
44 complaints tagged servicemember were received by the CFPB about Southwest Recovery Services, Inc. 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 fell from 20 in 2023 to 13 in 2025.
What do servicemembers complain about most at Southwest Recovery Services?
Debt collection accounts for 38 of the 44 complaints, and the most common issue is "Attempts to collect debt not owed" (25). Next: "Written notification about debt" (7).
Does Southwest Recovery Services give money back when a servicemember complains?
0 of the 44 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 44 closed with an explanation only. Southwest Recovery Services answered 98% 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.