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

CFPB complaint data Grade C 93 complaints

Southern Auto Finance Co - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade C.

Complaints by issue type

What consumers report about Southern Auto Finance Co

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 64.4/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: Southern Auto Finance Co ranks ahead of 57% of the 5,283 collectors PlainCollector grades - 43% keep a cleaner CFPB record, on 93 all-time complaints and a 94% timely-response rate.

57th pct
reputation rank of 5,283 graded collectors
93
CFPB complaints, all-time
94%
answered inside the CFPB window
22
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 Southern Auto Finance Co?

Southern Auto Finance Co has accumulated 93 total CFPB complaints across 15 states, with 22 filed in the most recent 12 months against 71 historical complaints before that window. The trailing-12-month volume represents 23.7% 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 "Debt is not yours". The company posts a 94% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 15 states, led by Florida with 33 and Texas with 20. Normalized against the full CFPB collector database, the reputation score of 64.4/100 places Southern Auto Finance Co in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

93

low-volume (CCDB)

Last 12 months

22

23.7% of all-time complaints

Stable →

States active

15

regional footprint

Timely response rate

94%

good band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

64.4/100 composite

How does Southern Auto Finance Co's reputation rank nationally?

Reputation score vs. every graded collector

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

64 57th percentile higher than 57% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Southern Auto Finance Co versus the debt-collection vertical average.

Timely response within SLA 94.1%
Vertical avg

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

Consumer dispute rate (post-response) 0.0%
Vertical avg

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

State coverage breadth 26.8%

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

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, drawn from 10 collectors with a comparable complaint count
Southern Auto Finance … National average
Complaints (last 12 mo)lower is better
22
0
268
Timely-response ratehigher is better
94%
25%
91%
Consumer-dispute ratelower is better
0%
7%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-10 2026-02

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Southern Auto Finance Co

Across 15 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Southern Auto Finance Co contacts you

A grade of C signals how Southern Auto Finance Co'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 Southern Auto Finance Co 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 Southern Auto Finance Co 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 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: 64.4/100), 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).

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.