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 2026-05-15
- 106
- Total complaints
- 12
- Last 12 months
- 100%
- Timely response
- 8
- States affected
The verdict
106 CFPB complaints put Southern Oregon Credit Service, Inc. at #1291 out of 3,848 financial companies ranked by complaint volume. It answers 100% of complaints on time - above the 93% median for companies with 100+ complaints.
- #1291
- of 3,848 companies by volume
- 100%
- answered on time
- Debt collection
- most-complained product
- 8
- states with complaints
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.
100% of CFPB-forwarded complaints against Southern Oregon Credit Service, Inc. get a reply 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 was formally disputed in 20% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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?
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.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~106)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.