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

CFPB complaint data Grade D 118 complaints

Southern Credit Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade D.

Complaints by issue type

What consumers report about Southern Credit Recovery, Inc.

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

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 118
  • GRADE D
  • 12MO 2
  • STATES 7
  • TIMELY 89%
  • DISPUTE 17%
  • ISSUE Attempts to collect debt n…
  • RANK #756
  • COMPOSE Not ranked

Volume peers

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

Capital Link Management, LLCCapital Link Management, LLC117Fig Tech Inc.Fig Tech Inc.117Southern Credit Recovery, Inc. (this)Southern Credit Recovery, In…118Credigy USA Corp.Credigy USA Corp.119GVA Holdings, LLCGVA Holdings, LLC119
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 →

How the 118 complaints break down

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

Reputation score breakdown

D
Composite reputation score
53.9/100
Southern Credit Recovery, 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 F
118
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
89%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
17%
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

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#756 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Recovery, Inc. National average
Complaints (last 12 mo)lower is better
2
6
268
Timely-response ratehigher is better
89%
92%
91%
Consumer-dispute ratelower is better
17%
7%
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 Recovery, 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 80%85%90%95%100%105% 0%10%20%30% Timely response rate (%) Dispute rate (%) Southern Credit Recovery, Inc. vs. 7 similar-volume peers, by response speed and dispute rate Southern Credit Recovery, Inc.GVA Holdings, LLCCREDIGY USA CORP.TMX Finance LLCWHEELS FINANCIAL GROUP, LLC.Texas GuaranteedCREDICO. INCADIR INTERNATIONAL LLC
Source: CFPB Consumer Complaint Database

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

Southern Credit Recovery, 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)

118 Top 14% higher than 86% 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%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). This entry sits in this band. 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 Recovery, 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 ↓
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.

Top states by complaints against Southern Credit Recovery, Inc.

Across 7 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 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.