What is the most common complaint against Southern Credit Recovery, Inc.?

The most common issue consumers report about Southern Credit Recovery, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 118 complaints filed with the CFPB.

Are complaints against Southern Credit Recovery, Inc. increasing or decreasing?

Complaints against Southern Credit Recovery, Inc. are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is Southern Credit Recovery, Inc.'s reputation grade?

Southern Credit Recovery, Inc. has a reputation grade of D (score: 53.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Southern Credit Recovery, Inc. respond to consumer complaints?

Southern Credit Recovery, Inc. has a 89% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Southern Credit Recovery, Inc. operate?

Southern Credit Recovery, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Louisiana (108 complaints).

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

Southern Credit Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

44
Written notification about debt

21
Disclosure verification of debt

12
Cont'd attempts collect debt not owed

11
Communication tactics

9
False statements or representation

8

Data updated September 2026

CFPB complaint disposition

CCDB record southern-credit-recovery-inc Southern Credit Recovery, Inc.

Grade D · 118 CFPB filings · 89% timely · lead issue: Attempts to collect debt not owed · vol #756 · compose #3573

VOL 118
GRADE D
12MO 2
STATES 7
TIMELY 89%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #756
COMPOSE #3,573

Volume peers

Nearest volume peer: Credigy USA Corp. (119 complaints)

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

Southern Credit Recovery, Inc.'s 118 CFPB complaints sit next to Credigy USA Corp. 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

91.5% of Southern Credit Recovery, Inc.'s CFPB filings land in Louisiana

High volume does not equal a clean composite: Southern Credit Recovery, Inc. is volume #756 but composite #3,573, while Louisiana dominates the geography. Corpus placement method.

Dominant state: Louisiana 91.5%; 108 of 118 filings · 7 states touched
Seasonal peak: 2025-11 8.2%; 8–15% band · 12 filings
Divergent corpus ranks: #756 volume; #3,573 composite; Cleanest-composite ladder is 2,817 places worse than volume

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

How does Southern Credit Recovery, 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 Recove… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

89%

92%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	44
Written notification about debt	21
Disclosure verification of debt	12
Cont'd attempts collect debt not owed	11
Communication tactics	9
False statements or representation	8
Took or threatened to take negative or legal action	7
Threatened to contact someone or share information improperly	2
Improper contact or sharing of info	2
Taking/threatening an illegal action	2

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

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

Louisiana

108
Virginia

3
Mississippi

2
Texas

2
California

1
Florida

1
Georgia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Southern Credit Recovery, 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: 118.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 88.88888888888889%.

4 peers

Know your rights before responding to Southern Credit Recovery, 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.