Total CFPB complaints
43
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 43 complaints
Southern Credit Adjusters, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Southern Credit Adjusters, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Written notification about debt
Written notification about debt
9 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
9 complaints
- Disclosure verification of debt
Disclosure verification of debt
5 complaints
- False statements or representation
False statements or representation
4 complaints
- Communication tactics 2
Communication tactics
2 complaints
B
Grade B · 66.1/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Southern Credit Adjusters, Inc.?
Southern Credit Adjusters, Inc. has accumulated 43 total CFPB complaints across 8 states, with 6 filed in the most recent 12 months against 37 historical complaints before that window. The trailing-12-month volume represents 14.0% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 13% 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 8 states, led by North Carolina with 25 and Texas with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 66.1/100 places Southern Credit Adjusters, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
14.0% of total history
Rising ↑
States active
8
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
B
66.1/100 composite
Response-quality profile
How Southern Credit Adjusters, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 26.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Southern Credit Adjusters, Inc. compare to its peers?
Southern Credit Adjust… 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)
2017-02 2026-01
Top Consumer Issues
Written notification about debt9 (%)
Attempts to collect debt not owed10 (%)
Cont'd attempts collect debt not owed9 (%)
False statements or representation4 (%)
Disclosure verification of debt5 (%)
Communication tactics2 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Disclosure verification of debt | Right to dispute notice not received | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
Where do complaints against Southern Credit Adjusters, Inc. come from?
The states where consumers have filed the most CFPB complaints against Southern Credit Adjusters, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Southern Credit Adjusters, Inc.
Across 8 states with at least one filing
- North Carolina
North Carolina
25 complaints
- Texas 7
Texas
7 complaints
- Pennsylvania 5
Pennsylvania
5 complaints
- Delaware 1
Delaware
1 complaints
- Colorado 1
Colorado
1 complaints
- Florida 1
Florida
1 complaints
- Arizona 1
Arizona
1 complaints
- New York 1
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against Southern Credit Adjusters, Inc.? ▼
The most common issue consumers report about Southern Credit Adjusters, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 43 complaints filed with the CFPB.
Are complaints against Southern Credit Adjusters, Inc. increasing or decreasing? ▼
Complaints against Southern Credit Adjusters, Inc. are rising. The company received 6 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Southern Credit Adjusters, Inc.'s reputation grade? ▼
Southern Credit Adjusters, Inc. has a reputation grade of B (score: 66.1/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Southern Credit Adjusters, Inc. respond to consumer complaints? ▼
Southern Credit Adjusters, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.
In how many states does Southern Credit Adjusters, Inc. operate? ▼
Southern Credit Adjusters, Inc. has received CFPB complaints from consumers in 8 states, with the most complaints from North Carolina (25 complaints).
What can I do if Southern Credit Adjusters, 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 Southern Credit Adjusters, 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 |