What is the most common complaint against Southern Oregon Credit Service, Inc.?

The most common issue consumers report about Southern Oregon Credit Service, Inc. is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 94 complaints filed with the CFPB.

Are complaints against Southern Oregon Credit Service, Inc. increasing or decreasing?

Complaints against Southern Oregon Credit Service, Inc. are falling. The company received 8 complaints in the last 12 months, showing improvement over prior periods.

What is Southern Oregon Credit Service, Inc.'s reputation grade?

Southern Oregon Credit Service, Inc. has a reputation grade of C (score: 57.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Southern Oregon Credit Service, Inc. respond to consumer complaints?

Southern Oregon Credit Service, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Southern Oregon Credit Service, Inc. operate?

Southern Oregon Credit Service, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Oregon (74 complaints).

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

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

CFPB complaint profile across 7 states, reputation grade C.

Compiled by PlainCollector

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

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 #845 · compose #2911

VOL 94
GRADE C
12MO 8
STATES 7
TIMELY 100%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #845
COMPOSE #2,911

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Southern Oregon Credit Service, Inc. is volume #845 but composite #2,911, while Oregon dominates the geography. 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
Divergent corpus ranks: #845 volume; #2,911 composite; Cleanest-composite ladder is 2,066 places worse than volume

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… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

26%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Oregon

74
California

8
Washington

4
Arizona

3
Alabama

1
Maryland

1
Wisconsin

1

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.