Total CFPB complaints
85
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 85 complaints
Southern Auto Finance Co — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Southern Auto Finance Co
- Attempts to collect debt not owed
Attempts to collect debt not owed
38 complaints
- Took or threatened to take negative or legal action 12
Took or threatened to take negative or legal action
12 complaints
- False statements or representation 11
False statements or representation
11 complaints
- Written notification about debt 10
Written notification about debt
10 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
C
Grade C · 64.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Southern Auto Finance Co?
Southern Auto Finance Co has accumulated 85 total CFPB complaints across 15 states, with 27 filed in the most recent 12 months against 58 historical complaints before that window. The trailing-12-month volume represents 31.8% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate against a 0% 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 15 states, led by Florida with 29 and Texas with 17, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.4/100 places Southern Auto Finance Co in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
27
31.8% of total history
Rising ↑
States active
15
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
64.4/100 composite
Response-quality profile
How Southern Auto Finance Co performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
Southern Auto Finance … 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)
2023-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed38 (%)
Took or threatened to take negative or legal action12 (%)
False statements or representation11 (%)
Written notification about debt10 (%)
Communication tactics2 (%)
Disclosure verification of debt2 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 20 |
| Attempts to collect debt not owed | Debt was result of identity theft | 15 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 12 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Written notification about debt | Didn't receive enough information to verify debt | 8 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
Where do complaints against Southern Auto Finance Co come from?
The states where consumers have filed the most CFPB complaints against Southern Auto Finance Co. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Southern Auto Finance Co
Across 15 states with at least one filing
- Florida
Florida
29 complaints
- Texas
Texas
17 complaints
- Georgia
Georgia
13 complaints
- South Carolina 6
South Carolina
6 complaints
- Illinois 4
Illinois
4 complaints
- North Carolina 3
North Carolina
3 complaints
- California 2
California
2 complaints
- Michigan 2
Michigan
2 complaints
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 85 complaints filed with the CFPB.
Are complaints against Southern Auto Finance Co increasing or decreasing? ▼
Complaints against Southern Auto Finance Co are rising. The company received 27 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Southern Auto Finance Co's reputation grade? ▼
Southern Auto Finance Co has a reputation grade of C (score: 64.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (29 complaints).
What can I do if Southern Auto Finance Co 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 Southern Auto Finance Co 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 |