CFPB · Diversified product mix
Southern Credit LLC
4 CFPB complaints · diversified mix (top product 25%) · top issue Identity theft protection or other monitoring services.
Southern Credit LLC: top product "Credit reporting or other personal consumer reports" is only 25% of 4 - multi-bucket mix. Timely 0% · relief 0%. Allegations, not findings.
- Diversified product mix
- +200% filings 2024 to 2025
CFPB relief outcome brief
CCDB company southern-credit-llc
0% relief · 0% timely · 4 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Fidelity National Information Services, Inc. (FNIS) (0% relief)
Southern Credit LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Southern Credit LLC has 4 filings on record, below the 10-complaint threshold this score requires for a stable percentage. A single additional filing can swing a rate by 10+ points at this volume, so no score is shown rather than an unstable one.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Southern Credit LLC complaint mix by product
- Credit reporting 1 25.0% – 0% relief
- Payday loan, 1 25.0% – 0% relief
- Vehicle loan 1 25.0% – 0% relief
- Debt collection 1 25.0% – 0% relief
How Southern Credit LLC's 4 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 | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Vehicle loan or lease | 1 |
| Debt collection | 1 |
Southern Credit LLC rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 3
- +200% vs 2024
Top States
| State | Complaints |
|---|---|
| LA | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Identity theft protection or other monitoring services | 1 |
| Vehicle was repossessed or sold the vehicle | 1 |
| Managing the loan or lease | 1 |
| Took or threatened to take negative or legal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 1 | 0% |
| 2025 | 3 | 0% |
Source: CFPB Consumer Complaint Database
Southern Credit LLC spreads across product buckets
Southern Credit LLC's 4 logged complaints stay concentrated: only 1 state shows a filing. 75% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2025-11-26.
Southern Credit LLC answers 0% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% 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 "Identity theft protection or other monitoring services."
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 Credit LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Southern Credit LLC: 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: 4.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 0%.
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 Credit LLC (0% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix