Total CFPB complaints
56
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 56 complaints
South Mississippi Collection Services Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about South Mississippi Collection Services Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- False statements or representation
False statements or representation
14 complaints
- Written notification about debt
Written notification about debt
7 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
- Communication tactics 3
Communication tactics
3 complaints
D
Grade D · 53.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about South Mississippi Collection Services Inc.?
South Mississippi Collection Services Inc. has accumulated 56 total CFPB complaints across 9 states, with 14 filed in the most recent 12 months against 42 historical complaints before that window. The trailing-12-month volume represents 25.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 50% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 9 states, led by Mississippi with 40 and Texas with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.1/100 places South Mississippi Collection Services Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
14
25.0% of total history
Rising ↑
States active
9
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
D
53.1/100 composite
Response-quality profile
How South Mississippi Collection Services Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 100.0%
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?
South Mississippi Coll… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2021-07 2026-02
Top Consumer Issues
False statements or representation14 (%)
Attempts to collect debt not owed15 (%)
Took or threatened to take negative or legal action6 (%)
Written notification about debt7 (%)
Cont'd attempts collect debt not owed3 (%)
Communication tactics3 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 14 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 4 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 2 |
Where do complaints against South Mississippi Collection Services Inc. come from?
The states where consumers have filed the most CFPB complaints against South Mississippi Collection Services Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against South Mississippi Collection Services Inc.
Across 9 states with at least one filing
- Mississippi
Mississippi
40 complaints
- Texas 4
Texas
4 complaints
- Arizona 3
Arizona
3 complaints
- Alabama 3
Alabama
3 complaints
- Georgia 2
Georgia
2 complaints
- Tennessee 1
Tennessee
1 complaints
- Louisiana 1
Louisiana
1 complaints
- Utah 1
Utah
1 complaints
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 "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 56 complaints filed with the CFPB.
Are complaints against South Mississippi Collection Services Inc. increasing or decreasing? ▼
Complaints against South Mississippi Collection Services Inc. are rising. The company received 14 complaints in the last 12 months, indicating an upward trend in consumer issues.
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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (40 complaints).
What can I do if South Mississippi Collection Services Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If South Mississippi Collection Services Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |