CFPB · Single-product concentration
Southern Management Systems Inc.
836 CFPB complaints · 80.1% in "Debt collection" · top issue Attempts to collect debt not owed.
Southern Management Systems Inc.: 80.1% of 836 CFPB complaints sit in "Debt collection". Timely 100% · relief 0%. Allegations, not findings.
- Single-product concentration
- +1516.7% filings 2013 to 2026
CFPB relief outcome brief
CCDB company southern-management-systems-inc
0% relief · 100% timely · 836 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Southern Management Systems Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Southern Management Systems Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (0/100), 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
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
How 836 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Southern Management Systems Inc. complaint mix by product
- Debt collection 670 80.2% – 0% relief
- Credit reporting 83 9.9% – 0% relief
- Credit reporting, 77 9.2% – 0% relief
- Debt or 2 0.2% – 0% relief
- Bank account 1 0.1% – 0% relief
- Credit reporting 1 0.1% – 0% relief
- Student loan 1 0.1% – 0% relief
How Southern Management Systems Inc.'s 836 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 670 |
| Credit reporting or other personal consumer reports | 83 |
| Credit reporting, credit repair services, or other personal consumer reports | 77 |
| Debt or credit management | 2 |
| Bank account or service | 1 |
| Credit reporting | 1 |
| Student loan | 1 |
| Mortgage | 1 |
Where Southern Management Systems Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 38.6% of this company's filings
Southern Management Systems Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 97
- +1516.7% vs 2013
Top States
| State | Complaints |
|---|---|
| FL | 323 |
| TX | 189 |
| GA | 64 |
| NC | 26 |
| CA | 24 |
| AL | 19 |
| IL | 16 |
| TN | 14 |
| NY | 13 |
| PA | 12 |
| AR | 12 |
| LA | 11 |
| MD | 10 |
| SC | 9 |
| NJ | 9 |
| VA | 9 |
| OH | 9 |
| MI | 7 |
| WA | 7 |
| MO | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 241 |
| Written notification about debt | 132 |
| False statements or representation | 91 |
| Incorrect information on your report | 90 |
| Took or threatened to take negative or legal action | 65 |
| Cont'd attempts collect debt not owed | 54 |
| Communication tactics | 44 |
| Improper use of your report | 31 |
| Disclosure verification of debt | 27 |
| Problem with a credit reporting company's investigation into an existing problem | 23 |
| Problem with a company's investigation into an existing problem | 14 |
| Improper contact or sharing of info | 8 |
| Threatened to contact someone or share information improperly | 4 |
| Electronic communications | 2 |
| Problem with customer service | 2 |
| Taking/threatening an illegal action | 2 |
| Problem with a company's investigation into an existing issue | 1 |
| Identity theft protection or other monitoring services | 1 |
| Unauthorized withdrawals or charges | 1 |
| Account opening, closing, or management | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 6 | 100% |
| 2014 | 31 | 100% |
| 2015 | 44 | 100% |
| 2016 | 26 | 100% |
| 2017 | 38 | 100% |
| 2018 | 39 | 100% |
| 2019 | 44 | 100% |
| 2020 | 52 | 100% |
| 2021 | 54 | 100% |
| 2022 | 69 | 100% |
| 2023 | 61 | 100% |
| 2024 | 98 | 100% |
| 2025 | 177 | 100% |
| 2026 | 97 | 100% |
Source: CFPB Consumer Complaint Database
Southern Management Systems Inc. filings cluster in one product
Southern Management Systems Inc.'s 836 logged complaints stay concentrated: only 36 states show a filing. Only 38.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-24.
Southern Management Systems Inc. answers 100% 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. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
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 Management Systems Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Southern Management Systems Inc.: 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: 836.
- Home Point Financial Corporation Δ 3 complaints · 1.5% relief 839complaints
- Synerprise Consulting Services, Inc. Δ 3 complaints · 0.1% relief 839complaints
- BAM Management US Holdings Inc. Δ 4 complaints · 0% relief 840complaints
- Prestige Financial Services Inc Δ 5 complaints · 6.1% relief 831complaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Management Systems Inc. (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration