Southern Auto Finance Co
428 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Southern Auto Finance Co
Southern Auto Finance Co's 428 logged complaints stay concentrated: only 30 states show a filing on record. 45.3% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does Southern Auto Finance Co have?
428, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Southern Auto Finance Co respond to complaints on time?
93.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Southern Auto Finance Co?
"Improper use of your report", filed under the "Credit reporting or other personal consumer reports" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.