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

CFPB complaint data Grade C 94 complaints

Southern Oregon Credit Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade C.

Complaints by issue type

What consumers report about Southern Oregon Credit Service, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record southern-oregon-credit-service-inc Southern Oregon Credit Service, Inc.

Grade C · 94 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 94
  • GRADE C
  • 12MO 8
  • STATES 7
  • TIMELY 100%
  • DISPUTE 22%
  • ISSUE Attempts to collect debt n…
  • RANK #845
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Consolidated Recovery Group, LLC (94 complaints)

Consolidated Recovery Group, LLCConsolidated Recovery Group,…94DFC Global Corp.DFC Global Corp.94JP Recovery Services, Inc.JP Recovery Services, Inc.94ROC Asset Solutions, LLCROC Asset Solutions, LLC94Southern Oregon Credit Service, Inc. (this)Southern Oregon Credit Servi…94
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Southern Oregon Credit Service, Inc.'s 94 CFPB complaints sit next to Consolidated Recovery Group, LLC 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 94 complaints break down

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

Reputation score breakdown

C
Composite reputation score
57.2/100
Southern Oregon Credit Service, 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
94
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 B
22%
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

78.7% of Southern Oregon Credit Service, Inc.'s CFPB filings land in Oregon

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

Dominant state
Oregon 78.7%
74 of 94 filings · 7 states touched
Seasonal peak
2025-12 10.3%
8–15% band · 3 filings
Corpus ranks
#845 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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

How does Southern Oregon Credit Service, 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 Oregon Credit Service, Inc. National average
Complaints (last 12 mo)lower is better
8
0
268
Timely-response ratehigher is better
100%
26%
91%
Consumer-dispute ratelower is better
22%
2%
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 Oregon Credit Service, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 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 20%40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Southern Oregon Credit Service, Inc. vs. 10 similar-volume peers, by response speed and dispute rate Southern Oregon Credit Service, Inc.ROC Asset Solutions, LLCJP RECOVERY SERVICES, INC.DFC Global Corp.Consolidated Recovery Group, LLCCORELOGIC INCCollection Management CompanyCommercial Trade, Inc.FINEX Group LLCTrojan Professional Services, Inc.Southern Auto Finance Co
Source: CFPB Consumer Complaint Database

Southern Oregon Credit Service, Inc.'s complaint volume in context

Southern Oregon Credit Service, 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)

94 Top 16% higher than 84% 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%). This entry sits in this band. 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 Oregon Credit Service, 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 ↓
2019-08 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
21
Written notification about debt
20
False statements or representation
10
Communication tactics
10
Took or threatened to take negative or legal action
9
Disclosure verification of debt
9
Cont'd attempts collect debt not owed
7
Threatened to contact someone or share information improperly
6
Taking/threatening an illegal action
2

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

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

Top states by complaints against Southern Oregon Credit Service, 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 Oregon Credit Service, 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: 94.

4 peers

Know your rights before responding to Southern Oregon Credit Service, 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.