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

CFPB complaint data Grade C 64 complaints

Southern Financial Systems, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Complaints by issue type

What consumers report about Southern Financial Systems, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record southern-financial-systems-inc Southern Financial Systems, Inc.

Grade C · 64 CFPB filings · 97% timely · lead issue: Written notification about debt

  • VOL 64
  • GRADE C
  • 12MO 19
  • STATES 6
  • TIMELY 97%
  • DISPUTE 29%
  • ISSUE Written notification about…
  • RANK #1,050
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Dynamic Recovery Services, Inc. (64 complaints)

Dynamic Recovery Services, Inc.Dynamic Recovery Services, I…64Global Asset Management Group, Inc.Global Asset Management Grou…64RAB, Inc.RAB, Inc.64Rickart Collection Systems, Inc.Rickart Collection Systems, …64Southern Financial Systems, Inc. (this)Southern Financial Systems, …64
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Southern Financial Systems, Inc.'s 64 CFPB complaints sit next to Dynamic Recovery Services, 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 64 complaints break down

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

Reputation score breakdown

C
Composite reputation score
56.8/100
Southern Financial Systems, 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
64
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
29%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

75.0% of Southern Financial Systems, Inc.'s CFPB filings land in Mississippi

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

Dominant state
Mississippi 75.0%
48 of 64 filings · 6 states touched
Even monthly load
Peak under 8%
Highest month 2015-03 at 7.9% (3 filings)
Corpus ranks
#1,050 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Southern Financial Systems, Inc. compare to its peers?

How does Southern Financial Systems, 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 Financial Systems, Inc. National average
Complaints (last 12 mo)lower is better
19
2
268
Timely-response ratehigher is better
97%
97%
91%
Consumer-dispute ratelower is better
29%
25%
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 Financial Systems, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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%10%20%30%40% Timely response rate (%) Dispute rate (%) Southern Financial Systems, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Southern Financial Systems, Inc.Rickart Collection Systems, Inc.Vision Financial Corp.RAB, INC.Works & Lentz of Tulsa, Inc.Global Asset Management Group, Inc.DYNAMIC RECOVERY SERVICES, INC.AmeriCash Holding LLCAndrews & Cox, P.C.The Affiliated Group, Inc
Source: CFPB Consumer Complaint Database

Southern Financial Systems, Inc.'s complaint volume in context

Southern Financial Systems, 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)

64 Top 19% higher than 81% 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%). This entry sits in this band. 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 Financial Systems, 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)

Rising ↑
2015-03 2025-10

Issue Detail Breakdown

Issue Complaints
Written notification about debt
18
Attempts to collect debt not owed
17
False statements or representation
11
Took or threatened to take negative or legal action
10
Cont'd attempts collect debt not owed
3
Communication tactics
2
Disclosure verification of debt
2
Improper contact or sharing of info
1

Where do complaints against Southern Financial Systems, Inc. come from?

Southern Financial Systems, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Southern Financial Systems, Inc.

Across 6 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 Financial Systems, 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: 64.

4 peers

Know your rights before responding to Southern Financial Systems, 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.