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

CFPB complaint data Grade B 46 complaints

Southern Credit Adjusters, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade B.

Complaints by issue type

What consumers report about Southern Credit Adjusters, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record southern-credit-adjusters-inc Southern Credit Adjusters, Inc.

Grade B · 46 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 46
  • GRADE B
  • 12MO 8
  • STATES 9
  • TIMELY 100%
  • DISPUTE 13%
  • ISSUE Attempts to collect debt n…
  • RANK #1,260
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Armstrong and Associates, Inc (46 complaints)

Armstrong and Associates, IncArmstrong and Associates, Inc46Credit Bureau Services of Iowa Inc.Credit Bureau Services of Io…46DRS Financial LLCDRS Financial LLC46InvestiNet LLCInvestiNet LLC46Southern Credit Adjusters, Inc. (this)Southern Credit Adjusters, I…46
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Southern Credit Adjusters, Inc.'s 46 CFPB complaints sit next to Armstrong and Associates, Inc 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 →

How the 46 complaints break down

Every complaint issue type on record for Southern Credit Adjusters, Inc., not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
62.2/100
Southern Credit Adjusters, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
46
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

56.5% of Southern Credit Adjusters, Inc.'s CFPB filings land in North Carolina

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
North Carolina 56.5%
26 of 46 filings · 9 states touched
Seasonal peak
2023-10 10.0%
8–15% band · 3 filings
Corpus ranks
#1,260 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Southern Credit Adjusters, Inc. compare to its peers?

How does Southern Credit Adjusters, Inc. 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 Credit Adjusters, Inc. National average
Complaints (last 12 mo)lower is better
8
0
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
13%
20%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Southern Credit Adjusters, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%20%40%60%80%100%120% 0%5%10%15%20%25% Timely response rate (%) Dispute rate (%) Southern Credit Adjusters, Inc. vs. 7 similar-volume peers, by response speed and dispute rate Southern Credit Adjusters, Inc.Skagit Bonded Collectors, LLCRubin & Yates, LLCRevMD Partners, LLC.RMB, Inc.Praxis Financial Solutions, IncorporatedPaul Michael Marketing ServiceNew Era Asset Management, LLC
Source: CFPB Consumer Complaint Database

Southern Credit Adjusters, Inc.'s complaint volume in context

Southern Credit Adjusters, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

46 Top 23% higher than 77% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). This entry sits in this band. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Southern Credit Adjusters, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2018-07 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
12
Written notification about debt
10
Cont'd attempts collect debt not owed
9
Disclosure verification of debt
5
False statements or representation
4
Took or threatened to take negative or legal action
3
Communication tactics
3

Where do complaints against Southern Credit Adjusters, Inc. come from?

Southern Credit Adjusters, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Southern Credit Adjusters, Inc.

Across 9 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Southern Credit Adjusters, Inc.: 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: 46.

4 peers

Know your rights before responding to Southern Credit Adjusters, Inc.: 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.