This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 57 complaints

South Mississippi Collection Services Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade D.

Complaints by issue type

What consumers report about South Mississippi Collection Services Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 53.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: South Mississippi Collection Services Inc. ranks ahead of 21% of the 5,283 collectors PlainCollector grades - 79% keep a cleaner CFPB record, on 57 all-time complaints and a 93% timely-response rate.

21st pct
reputation rank of 5,283 graded collectors
57
CFPB complaints, all-time
93%
answered inside the CFPB window
12
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about South Mississippi Collection Services Inc.?

South Mississippi Collection Services Inc. has accumulated 57 total CFPB complaints across 9 states, with 12 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 21.1% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 93% timely-response rate against a 50% consumer-dispute-after-response rate.

Complaints have been recorded across 9 states, led by Mississippi with 41 and Texas with 4. Normalized against the full CFPB collector database, the reputation score of 53.1/100 places South Mississippi Collection Services Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

57

low-volume (CCDB)

Last 12 months

12

21.1% of all-time complaints

Stable →

States active

9

regional footprint

Timely response rate

93%

good band

Consumer disputes

50%

high (vertical avg ~19%)

Reputation grade

D

53.1/100 composite

How does South Mississippi Collection Services Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

53 Bottom 21% higher than 21% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

South Mississippi Collection Services Inc. versus the debt-collection vertical average.

Timely response within SLA 92.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 50.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 16.1%

Share of US states + territories with at least one filed complaint against this collector.

How does South Mississippi Collection Services Inc. compare to its peers?

How does South Mississippi Collection Services Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
South Mississippi Coll… National average
Complaints (last 12 mo)lower is better
12
0
268
Timely-response ratehigher is better
93%
100%
91%
Consumer-dispute ratelower is better
50%
31%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2024-04

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 16
False statements or representation - 14
Took or threatened to take negative or legal action - 8
Written notification about debt - 7
Communication tactics - 5
Cont'd attempts collect debt not owed - 3
Threatened to contact someone or share information improperly - 3
Disclosure verification of debt - 1

Where do complaints against South Mississippi Collection Services Inc. come from?

South Mississippi Collection Services Inc.'s own per-state count, not a national baseline.

Top states by complaints against South Mississippi Collection Services Inc.

Across 9 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if South Mississippi Collection Services Inc. contacts you

A grade of D signals how South Mississippi Collection Services Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really South Mississippi Collection Services Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how South Mississippi Collection Services Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against South Mississippi Collection Services Inc.? ▼

The most common issue consumers report about South Mississippi Collection Services Inc. is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 57 complaints filed with the CFPB.

Are complaints against South Mississippi Collection Services Inc. increasing or decreasing? ▼

Complaints against South Mississippi Collection Services Inc. have been stable. The company received 12 complaints in the last 12 months.

What is South Mississippi Collection Services Inc.'s reputation grade? ▼

South Mississippi Collection Services Inc. has a reputation grade of D (score: 53.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does South Mississippi Collection Services Inc. respond to consumer complaints? ▼

South Mississippi Collection Services Inc. has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.

In how many states does South Mississippi Collection Services Inc. operate? ▼

South Mississippi Collection Services Inc. has received CFPB complaints from consumers in 9 states, with the most complaints from Mississippi (41 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.