CFPB · Diversified product mix
Southern Auto Finance Co
428 CFPB complaints · diversified mix (top product 30.8%) · top issue Improper use of your report.
Southern Auto Finance Co: top product "Credit reporting or other personal consumer reports" is only 30.8% of 428 - multi-bucket mix. Timely 93.7% · relief 3.7%. Allegations, not findings.
- Diversified product mix
- +4500% filings 2014 to 2026
CFPB relief outcome brief
CCDB company southern-auto-finance-co
3.7% relief · 93.7% timely · 428 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: DigniFi (3.7% relief)
Southern Auto Finance Co closes 3.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Southern Auto Finance Co scores strongest on closed with explanation (92/100 percentile-benchmarked) and weakest on relief provided (17/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
17 / 100 percentile-benchmarked
3.7% of complaints closed with relief to the consumer
Timely response
89 / 100 percentile-benchmarked
93.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
92 / 100 percentile-benchmarked
95.8% of complaints closed with an explanation to the consumer
Most of Southern Auto Finance Co's 428 filings include narrative text
45.3% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Southern Auto Finance Co complaint mix by product
- Credit reporting 132 30.8% – 0% relief
- Credit reporting, 108 25.2% – 6% relief
- Debt collection 92 21.5% – 7% relief
- Vehicle loan 84 19.6% – 1% relief
- Consumer Loan 10 2.3% – 30% relief
- Money transfer, 1 0.2% – 0% relief
- Credit card 1 0.2% – 0% relief
How Southern Auto Finance Co's 428 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 132 |
| Credit reporting, credit repair services, or other personal consumer reports | 108 |
| Debt collection | 92 |
| Vehicle loan or lease | 84 |
| Consumer Loan | 10 |
| Money transfer, virtual currency, or money service | 1 |
| Credit card | 1 |
Where Southern Auto Finance Co complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 39% of this company's filings
Southern Auto Finance Co rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 46
- +4500% vs 2014
Top States
| State | Complaints |
|---|---|
| FL | 167 |
| TX | 88 |
| GA | 47 |
| CA | 24 |
| SC | 17 |
| IL | 13 |
| NC | 10 |
| AZ | 7 |
| MI | 6 |
| TN | 6 |
| OH | 5 |
| PA | 4 |
| NV | 4 |
| MO | 3 |
| AL | 3 |
| NJ | 2 |
| NY | 2 |
| UT | 2 |
| KY | 2 |
| OK | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 104 |
| Incorrect information on your report | 94 |
| Attempts to collect debt not owed | 39 |
| Problem with a company's investigation into an existing problem | 29 |
| Problem with a credit reporting company's investigation into an existing problem | 27 |
| Managing the loan or lease | 27 |
| Took or threatened to take negative or legal action | 21 |
| Repossession | 15 |
| False statements or representation | 13 |
| Getting a loan or lease | 12 |
| Written notification about debt | 10 |
| Struggling to pay your loan | 10 |
| Problems at the end of the loan or lease | 6 |
| Problems when you are unable to pay | 4 |
| Credit monitoring or identity theft protection services | 3 |
| Communication tactics | 3 |
| Unable to get your credit report or credit score | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Disclosure verification of debt | 2 |
| Money was not available when promised | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 100% |
| 2015 | 2 | 100% |
| 2016 | 7 | 100% |
| 2017 | 18 | 100% |
| 2018 | 29 | 100% |
| 2019 | 16 | 100% |
| 2020 | 35 | 100% |
| 2021 | 31 | 100% |
| 2022 | 30 | 100% |
| 2023 | 37 | 100% |
| 2024 | 67 | 100% |
| 2025 | 109 | 92.7% |
| 2026 | 46 | 58.7% |
Source: CFPB Consumer Complaint Database
Southern Auto Finance Co spreads across product buckets
Southern Auto Finance Co's 428 logged complaints stay concentrated: only 30 states show a filing. 45.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-25.
Southern Auto Finance Co answers 93.7% of complaints inside the CFPB's tracked window and closes 95.8% with a written explanation. 3.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Improper use of your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Southern Auto Finance Co.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Southern Auto Finance Co: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 428.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 93.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Southern Auto Finance Co (93.7% timely; 3.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix