Southern Oregon Credit Service, Inc.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 6 |
| 2015 | 5 |
| 2016 | 10 |
| 2017 | 12 |
| 2018 | 4 |
| 2019 | 12 |
| 2020 | 7 |
| 2021 | 10 |
| 2022 | 7 |
| 2023 | 11 |
| 2024 | 6 |
| 2025 | 16 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Southern Oregon Credit Service, Inc.
93 debt-collection complaints against Southern Oregon Credit Service, Inc. appear in the CFPB record - 87.7% of the 106 complaints filed about this entity. The 8 states and territories represented make this a geographically focused operation by complaint volume. "Medical debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The specific issue named most is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.
100% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is at or above benchmark levels, pointing to an intake process working as intended. Of resolved cases, 0.9% 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 20% of resolved cases, indicating how frequently the initial fix fell short.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Southern Oregon Credit Service, Inc. have?
93 debt-collection complaints against Southern Oregon Credit Service, Inc. appear in the CFPB record - 87.7% of the company's total complaint volume.
Does Southern Oregon Credit Service, Inc. respond to complaints on time?
100% of the CFPB complaints against Southern Oregon Credit Service, Inc. get a response within the expected window. That is a strong response record by CFPB standards.
Does Southern Oregon Credit Service, Inc. provide relief to consumers?
0.9% of resolved complaints against Southern Oregon Credit Service, Inc. were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does Southern Oregon Credit Service, Inc. primarily collect?
Southern Oregon Credit Service, Inc. primarily collects "Medical debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against Southern Oregon Credit Service, Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Southern Oregon Credit Service, Inc. active?
Southern Oregon Credit Service, Inc. has received consumer complaints from 8 states and territories, based on CFPB 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.