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

CFPB complaint data Grade F 675 complaints

Southern Management Systems Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade F.

Complaints by issue type

What consumers report about Southern Management Systems Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record southern-management-systems-inc Southern Management Systems Inc.

Grade F · 675 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #207 · compose #449

  • VOL 675
  • GRADE F
  • 12MO 170
  • STATES 35
  • TIMELY 100%
  • DISPUTE 45%
  • ISSUE Attempts to collect debt n…
  • RANK #207
  • COMPOSE #449

Volume peers

Nearest volume peer: Sterling Jewelers, Inc. (675 complaints)

Diverse Funding Associates LLCDiverse Funding Associates L…674Sterling Jewelers, Inc.Sterling Jewelers, Inc.675Southern Management Systems Inc. (this)Southern Management Systems …675Consumer Portfolio Services, Inc.Consumer Portfolio Services,…677Nissan Motor Acceptance Company LLCNissan Motor Acceptance Comp…678
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Southern Management Systems Inc.'s 675 CFPB complaints sit next to Sterling Jewelers, 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 675 complaints break down

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

Reputation score breakdown

F
Composite reputation score
47.4/100
Southern Management 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 F
675
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate C
45%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

38.7% of Southern Management Systems Inc.'s CFPB filings land in Florida

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

Dominant state
Florida 38.7%
261 of 675 filings · 35 states touched
Spike month
2018-04 33.3%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#207 volume
#449 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Southern Management Systems Inc. compare to its peers?

How does Southern Management 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 Management Systems Inc. National average
Complaints (last 12 mo)lower is better
170
0
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
45%
8%
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 Management 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 97.5%98%98.5%99%99.5%100%100.5% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Southern Management Systems Inc. vs. 9 similar-volume peers, by response speed and dispute rate Southern Management Systems Inc.STERLING JEWELERS, INC.Diverse Funding Associates LLCConsumer Portfolio Services, Inc.NISSAN MOTOR ACCEPTANCE COMPANY LLCShellpoint Partners, LLCOptio Solutions, LLCSynerprise Consulting Services, Inc.Grant & WeberClient Services, Inc.
Source: CFPB Consumer Complaint Database

Southern Management Systems Inc.'s complaint volume in context

Southern Management 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)

675 Top 4% higher than 96% 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%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Southern Management 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)

Stable →
2018-04 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
243
Written notification about debt
133
False statements or representation
92
Took or threatened to take negative or legal action
65
Cont'd attempts collect debt not owed
54
Communication tactics
44
Disclosure verification of debt
27
Improper contact or sharing of info
8
Threatened to contact someone or share information improperly
4
Electronic communications
3

Where do complaints against Southern Management Systems Inc. come from?

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

Top states by complaints against Southern Management Systems Inc.

Across 35 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 Management 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: 675.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Southern Management 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.