Total CFPB complaints
93
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 93 complaints
Southern Oregon Credit Service, 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 Oregon Credit Service, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
21 complaints
- Written notification about debt
Written notification about debt
20 complaints
- False statements or representation 8
False statements or representation
8 complaints
- Cont'd attempts collect debt not owed 6
Cont'd attempts collect debt not owed
6 complaints
- Threatened to contact someone or share information improperly 5
Threatened to contact someone or share information improperly
5 complaints
- Communication tactics 4
Communication tactics
4 complaints
C
Grade C · 60.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Southern Oregon Credit Service, Inc.?
Southern Oregon Credit Service, Inc. has accumulated 93 total CFPB complaints across 7 states, with 11 filed in the most recent 12 months against 82 historical complaints before that window. The trailing-12-month volume represents 11.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 22% 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 Oregon with 74 and California with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.7/100 places Southern Oregon Credit Service, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
11
11.8% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
C
60.7/100 composite
Response-quality profile
How Southern Oregon Credit Service, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 43.5%
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 Oregon Credit Service, Inc. compare to its peers?
Southern Oregon Credit… 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)
2021-12 2025-12
Top Consumer Issues
Written notification about debt20 (%)
Attempts to collect debt not owed21 (%)
False statements or representation8 (%)
Cont'd attempts collect debt not owed6 (%)
Threatened to contact someone or share information improperly5 (%)
Communication tactics4 (%)
Disclosure verification of debt4 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| Attempts to collect debt not owed | Debt is not yours | 11 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
Where do complaints against Southern Oregon Credit Service, Inc. come from?
The states where consumers have filed the most CFPB complaints against Southern Oregon Credit Service, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Southern Oregon Credit Service, Inc.
Across 7 states with at least one filing
- Oregon
Oregon
74 complaints
- California 7
California
7 complaints
- Washington 4
Washington
4 complaints
- Arizona 3
Arizona
3 complaints
- Alabama 1
Alabama
1 complaints
- Maryland 1
Maryland
1 complaints
- Wisconsin 1
Wisconsin
1 complaints
Frequently Asked Questions
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 "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 93 complaints filed with the CFPB.
Are complaints against Southern Oregon Credit Service, Inc. increasing or decreasing? ▼
Complaints against Southern Oregon Credit Service, Inc. are rising. The company received 11 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Southern Oregon Credit Service, Inc.'s reputation grade? ▼
Southern Oregon Credit Service, Inc. has a reputation grade of C (score: 60.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Southern Oregon Credit Service, 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 Oregon Credit Service, 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 |