What is the most common complaint against Southern Auto Finance Co?

The most common issue consumers report about Southern Auto Finance Co is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 93 complaints filed with the CFPB.

Are complaints against Southern Auto Finance Co increasing or decreasing?

Complaints against Southern Auto Finance Co have been stable. The company received 22 complaints in the last 12 months.

What is Southern Auto Finance Co's reputation grade?

Southern Auto Finance Co has a reputation grade of C (score: 61.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Southern Auto Finance Co respond to consumer complaints?

Southern Auto Finance Co has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Southern Auto Finance Co operate?

Southern Auto Finance Co has received CFPB complaints from consumers in 15 states, with the most complaints from Florida (33 complaints).

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

Southern Auto Finance Co - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

39
Took or threatened to take negative or legal action

22
False statements or representation

13
Written notification about debt

10
Communication tactics

3
Disclosure verification of debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record southern-auto-finance-co Southern Auto Finance Co

Grade C · 93 CFPB filings · 94% timely · lead issue: Attempts to collect debt not owed · vol #850 · compose #2211

VOL 93
GRADE C
12MO 22
STATES 15
TIMELY 94%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #850
COMPOSE #2,211

Volume peers

Nearest volume peer: Collection Management Company (93 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Southern Auto Finance Co's 93 CFPB complaints sit next to Collection Management Company on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

35.5% of Southern Auto Finance Co's CFPB filings land in Florida

High volume does not equal a clean composite: Southern Auto Finance Co is volume #850 but composite #2,211, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 35.5%; 33 of 93 filings · 15 states touched
Seasonal peak: 2024-07 8.8%; 8–15% band · 3 filings
Divergent corpus ranks: #850 volume; #2,211 composite; Cleanest-composite ladder is 1,361 places worse than volume

How does Southern Auto Finance Co compare to its peers?

How does Southern Auto Finance Co compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Southern Auto Finance … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

25%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-10 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	39
Took or threatened to take negative or legal action	22
False statements or representation	13
Written notification about debt	10
Communication tactics	3
Disclosure verification of debt	2
Threatened to contact someone or share information improperly	2
Cont'd attempts collect debt not owed	1
Taking/threatening an illegal action	1

Where do complaints against Southern Auto Finance Co come from?

Southern Auto Finance Co's own per-state count, not a national baseline.

Florida

33
Texas

20
Georgia

13
South Carolina

6
Illinois

4
North Carolina

4
California

2
Michigan

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Southern Auto Finance Co: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 93.

4 peers

Know your rights before responding to Southern Auto Finance Co: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.