CFPB Consumer Complaint Profile
Southern Oregon Credit Service, Inc.
Consumers have filed 106 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 106
- Total complaints
- Mid-range
- 12
- Last 12 months
- 100%
- Timely response
- Top decile
- 8
- States affected
The verdict
106 CFPB complaints put Southern Oregon Credit Service, Inc. at #1289 out of 3,843 financial companies ranked by complaint volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #1289
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 8
- states with complaints
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 Oregon Credit Service, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 6 in 2024 to 16 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for Southern Oregon Credit Service, Inc.
106 complaints against Southern Oregon Credit Service, Inc. appear in the CFPB record, including 12 from the trailing year. The 8 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Southern Oregon Credit Service, Inc. draw a 100% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 20% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0.9% closed with some form of monetary or non-monetary relief to the consumer.
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 Oregon Credit Service, Inc. have?
The CFPB has logged 106 complaints against Southern Oregon Credit Service, Inc. to date, of which 12 came in over the last 12 months.
Does Southern Oregon Credit Service, Inc. respond to complaints on time?
CFPB complaints against Southern Oregon Credit Service, Inc. draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Southern Oregon Credit Service, Inc.?
The most complained-about product for Southern Oregon Credit Service, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Southern Oregon Credit Service, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Southern Oregon Credit Service, Inc. - see all issues and counts above.
How do I file a complaint against Southern Oregon Credit Service, Inc.?
You can file a complaint against Southern Oregon Credit Service, Inc. 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 Oregon Credit Service, Inc.?
Consumers in 8 states and territories have filed complaints about Southern Oregon Credit Service, Inc. 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Southern Oregon Credit Service, Inc.: 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 (20% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.