Southern Credit Recovery, Inc.
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
CFPB collection forwarding receipt
Forwarded record DC-SOUTHERN-CREDIT-RE Southern Credit Recovery, Inc.
117 DC complaints · rank #558/656 · 88.1% timely
- DC 117
- RANK #558/656
- TIMELY 88.1%
- RELIEF 0.7%
- DISPUTE 16.2%
- STATES 7
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Kramer & Frank, P.C.
Volume peers
Photo peer: Kramer & Frank, P.C. (117)
Southern Credit Recovery, Inc.'s 117 debt-collection complaints sit next to Kramer & Frank, P.C. (117) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Southern Credit Recovery, I… →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 8 |
| 2015 | 8 |
| 2016 | 17 |
| 2017 | 20 |
| 2018 | 15 |
| 2019 | 10 |
| 2020 | 15 |
| 2021 | 20 |
| 2022 | 8 |
| 2023 | 9 |
| 2024 | 1 |
| 2025 | 2 |
Complaints by State (Top 15)
What the CFPB Record Shows for Southern Credit Recovery, Inc.
According to the CFPB Consumer Complaint Database as aggregated by PlainCredit, Southern Credit Recovery, Inc. ranks #558 of 656 debt collectors by debt-collection complaint volume (15th percentile), using the same dc_complaints sort as the Collectors directory. The CFPB has logged 117 debt-collection complaints against Southern Credit Recovery, Inc., 87.3% of the 134 complaints filed against this entity overall. Consumers in 7 states and territories have filed reports, putting this collection operation in geographically focused territory by complaint volume. The most common debt type behind these complaints is "Medical debt," which is the category consumers most often describe when they file a CFPB report about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 88.1%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Of resolved cases, 0.7% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. The response was formally disputed in 16.2% of resolved cases, indicating how frequently the initial fix fell short.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Southern Credit Recovery, Inc. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Southern Credit Recovery, Inc.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (117 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (16.2% here).
Frequently asked questions
How many CFPB debt-collection complaints does Southern Credit Recovery, Inc. have?
117 debt-collection complaints name Southern Credit Recovery, Inc. in this CFPB extract - corpus rank #558/656.
Does Southern Credit Recovery, Inc. respond to CFPB complaints on time?
CFPB complaints against Southern Credit Recovery, Inc. show a 88.1% timely-response rate.
What issue do consumers cite most about Southern Credit Recovery, Inc.?
Consumers most often name "Attempts to collect debt not owed" when complaining about Southern Credit Recovery, Inc..
How should I read Southern Credit Recovery, Inc.'s CFPB complaint record?
These figures summarize what consumers filed with the CFPB about Southern Credit Recovery, Inc.. They are educational, not advice - see the debt-collection rights and CFPB filing guides for next steps on a live dispute.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.