Southern Oregon Credit Service, Inc.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
CFPB collection forwarding receipt
Forwarded record DC-SOUTHERN-OREGON-CR Southern Oregon Credit Service, Inc.
93 DC complaints · rank #619/656 · 100% timely
- DC 93
- RANK #619/656
- TIMELY 100%
- RELIEF 0.9%
- DISPUTE 20%
- STATES 8
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO S & S Recovery, Inc.
Volume peers
Photo peer: S & S Recovery, Inc. (93)
Southern Oregon Credit Service, Inc.'s 93 debt-collection complaints sit next to S & S Recovery, Inc. (93) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Southern Oregon Credit Serv… →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
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)
What the CFPB Record Shows for Southern Oregon Credit Service, Inc.
PlainCredit places Southern Oregon Credit Service, Inc. at #619 of 656 debt collectors by CFPB debt-collection complaint volume (6th percentile), matching the Collectors directory ranking. 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.
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 Oregon Credit Service, Inc. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Southern Oregon Credit Service, 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 (93 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (20% here).
Frequently asked questions
How many CFPB debt-collection complaints does Southern Oregon Credit Service, Inc. have?
93 debt-collection complaints name Southern Oregon Credit Service, Inc. in this CFPB extract - corpus rank #619/656.
Does Southern Oregon Credit Service, Inc. respond to CFPB complaints on time?
CFPB complaints against Southern Oregon Credit Service, Inc. show a 100% timely-response rate.
What issue do consumers cite most about Southern Oregon Credit Service, Inc.?
Consumers most often name "Attempts to collect debt not owed" when complaining about Southern Oregon Credit Service, Inc..
How should I read Southern Oregon Credit Service, Inc.'s CFPB complaint record?
Southern Oregon Credit Service, Inc.'s profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.
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.