CFPB Consumer Complaint Profile
Southern Credit LLC
11 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
- 11
- Total complaints
- Below average
- 10
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
Southern Credit LLC ranks #3589 of 3,843 financial companies by CFPB complaint volume, with 11 complaints on record. On-time replies land at 0%, the 0th percentile for the 100+ complaint peer group.
- #3589
- of 3,843 companies by volume
- 0%
- on time (0th pctile)
- Debt or credit manag…
- most-complained product
- 8
- 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 Credit LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
0% Among the lowest in the bottom 1% 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
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 |
|---|---|
| 2025 | 6 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Southern Credit LLC
The CFPB Consumer Complaint Database has logged 11 complaints against Southern Credit LLC overall, with 10 of those filed in the trailing 12 months. Reports have come from consumers in 8 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Debt or credit management," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Took or threatened to take negative or legal action" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Southern Credit LLC's timely response rate stands at 0%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 Credit LLC have?
Southern Credit LLC has 11 total consumer complaints filed with the CFPB, with 10 filed in the last 12 months.
Does Southern Credit LLC respond to complaints on time?
Southern Credit LLC's CFPB timely-response rate is 0%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Southern Credit LLC?
The most complained-about product for Southern Credit LLC is "Debt or credit management." You can view the full product breakdown on this page.
What is the most common complaint issue with Southern Credit LLC?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about Southern Credit LLC; the full issue list with counts is above.
How do I file a complaint against Southern Credit LLC?
You can file a complaint against Southern Credit LLC 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 Credit LLC?
Consumers in 8 states and territories have filed complaints about Southern Credit LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Debt or credit management
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Southern Credit LLC have?
Southern Credit LLC has 11 total consumer complaints filed with the CFPB, with 10 filed in the last 12 months.
Does Southern Credit LLC respond to complaints on time?
Southern Credit LLC's CFPB timely-response rate is 0%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Southern Credit LLC?
The most complained-about product for Southern Credit LLC is "Debt or credit management." You can view the full product breakdown on this page.
What is the most common complaint issue with Southern Credit LLC?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about Southern Credit LLC; the full issue list with counts is above.
How do I file a complaint against Southern Credit LLC?
You can file a complaint against Southern Credit LLC 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 Credit LLC?
Consumers in 8 states and territories have filed complaints about Southern Credit LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.