CFPB Consumer Complaint Profile
Southern Auto Finance Co
402 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 402
- Total complaints
- Above average
- 101
- Last 12 months
- 97%
- Timely response
- Below median
- 30
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Southern Auto Finance Co sits at #572, with 402 complaints logged. On-time replies land at 97%, the 39th percentile for the 100+ complaint peer group.
- #572
- of 3,843 companies by volume
- 97%
- on time (39th pctile)
- Credit reporting or …
- most-complained product
- 30
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Southern Auto Finance Co vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97% Around the middle higher than 39% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 67 in 2024 to 109 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 7 |
| 2017 | 18 |
| 2018 | 29 |
| 2019 | 16 |
| 2020 | 35 |
| 2021 | 31 |
| 2022 | 30 |
| 2023 | 37 |
| 2024 | 67 |
| 2025 | 109 |
| 2026year in progress | 20 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Southern Auto Finance Co
402 complaints against Southern Auto Finance Co appear in the CFPB record, including 101 from the trailing year. The 30 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Southern Auto Finance Co's timely response rate stands at 97%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 13.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 4%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Southern Auto Finance Co have?
Southern Auto Finance Co has 402 total consumer complaints filed with the CFPB, with 101 filed in the last 12 months.
Does Southern Auto Finance Co respond to complaints on time?
Southern Auto Finance Co has a 97% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Southern Auto Finance Co?
The most complained-about product for Southern Auto Finance Co is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Southern Auto Finance Co?
The most common issue reported by consumers about Southern Auto Finance Co is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against Southern Auto Finance Co?
You can file a complaint against Southern Auto Finance Co directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Southern Auto Finance Co?
Southern Auto Finance Co has drawn CFPB complaints from 30 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Southern Auto Finance Co: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (13.3% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Southern Auto Finance Co have?
Southern Auto Finance Co has 402 total consumer complaints filed with the CFPB, with 101 filed in the last 12 months.
Does Southern Auto Finance Co respond to complaints on time?
Southern Auto Finance Co has a 97% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Southern Auto Finance Co?
The most complained-about product for Southern Auto Finance Co is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Southern Auto Finance Co?
The most common issue reported by consumers about Southern Auto Finance Co is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against Southern Auto Finance Co?
You can file a complaint against Southern Auto Finance Co directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Southern Auto Finance Co?
Southern Auto Finance Co has drawn CFPB complaints from 30 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.