Total CFPB complaints
117
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 117 complaints
Southern Credit Recovery, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Southern Credit Recovery, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
44 complaints
- Written notification about debt
Written notification about debt
19 complaints
- Disclosure verification of debt 12
Disclosure verification of debt
12 complaints
- False statements or representation 7
False statements or representation
7 complaints
- Took or threatened to take negative or legal action 6
Took or threatened to take negative or legal action
6 complaints
- Communication tactics 5
Communication tactics
5 complaints
D
Grade D · 57.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Southern Credit Recovery, Inc.?
Southern Credit Recovery, Inc. has accumulated 117 total CFPB complaints across 7 states, with 1 filed in the most recent 12 months against 116 historical complaints before that window. The trailing-12-month volume represents 0.9% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 89% timely-response rate against a 17% 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 7 states, led by Louisiana with 107 and Virginia with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.4/100 places Southern Credit Recovery, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
0.9% of total history
Falling ↓
States active
7
Distinct state filings
Timely response rate
89%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
57.4/100 composite
Response-quality profile
How Southern Credit Recovery, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 88.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Southern Credit Recovery, Inc. compare to its peers?
Southern Credit Recove… 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)
2020-12 2025-11
Top Consumer Issues
Attempts to collect debt not owed44 (%)
Written notification about debt19 (%)
Disclosure verification of debt12 (%)
False statements or representation7 (%)
Took or threatened to take negative or legal action6 (%)
Communication tactics5 (%)
Cont'd attempts collect debt not owed5 (%)
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 | 23 |
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Disclosure verification of debt | Not given enough info to verify debt | 12 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 6 |
| Communication tactics | Frequent or repeated calls | 5 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
Where do complaints against Southern Credit Recovery, Inc. come from?
The states where consumers have filed the most CFPB complaints against Southern Credit Recovery, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Southern Credit Recovery, Inc.
Across 7 states with at least one filing
- Louisiana
Louisiana
107 complaints
- Virginia 3
Virginia
3 complaints
- Mississippi 2
Mississippi
2 complaints
- Texas 2
Texas
2 complaints
- Florida 1
Florida
1 complaints
- Georgia 1
Georgia
1 complaints
- California 1
California
1 complaints
Frequently Asked Questions
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 117 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 1 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: 57.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (107 complaints).
What can I do if Southern Credit Recovery, 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 Recovery, 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 |