CFPB · Single-product concentration
Southern Oregon Credit Service, Inc.
107 CFPB complaints · 86.9% in "Debt collection" · top issue Attempts to collect debt not owed.
Southern Oregon Credit Service, Inc.: 86.9% of 107 CFPB complaints sit in "Debt collection". Timely 100% · relief 0.9%. Allegations, not findings.
- Single-product concentration
- +183.3% filings 2013 to 2025
CFPB relief outcome brief
CCDB company southern-oregon-credit-service-inc
0.9% relief · 100% timely · 107 filings · Debt collection
Same-product relief peers
Nearest relief peer: Sunrise Credit Services, Inc (0.9% relief)
Southern Oregon Credit Service, Inc. closes 0.9% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Southern Oregon Credit Service, Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (4/100), 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
4 / 100 percentile-benchmarked
0.9% 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
97 / 100 percentile-benchmarked
98.1% of complaints closed with an explanation to the consumer
Most of Southern Oregon Credit Service, Inc.'s 107 filings include narrative text
43.9% 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 Oregon Credit Service, Inc. complaint mix by product
- Debt collection 93 86.9% – 1% relief
- Credit reporting, 9 8.4% – 0% relief
- Credit reporting 3 2.8% – 0% relief
- Student loan 1 0.9% – 0% relief
- Credit reporting 1 0.9% – 0% relief
How Southern Oregon Credit Service, Inc.'s 107 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 93 |
| Credit reporting, credit repair services, or other personal consumer reports | 9 |
| Credit reporting or other personal consumer reports | 3 |
| Student loan | 1 |
| Credit reporting | 1 |
Concentrated filing states for Southern Oregon Credit Service, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- OR
- 77.6% of this company's filings
Southern Oregon Credit Service, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 17
- +183.3% vs 2013
Top States
| State | Complaints |
|---|---|
| OR | 83 |
| CA | 9 |
| WA | 4 |
| AZ | 4 |
| TN | 2 |
| MD | 1 |
| AL | 1 |
| WI | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 21 |
| Written notification about debt | 20 |
| Communication tactics | 10 |
| False statements or representation | 10 |
| Incorrect information on your report | 10 |
| Disclosure verification of debt | 9 |
| Took or threatened to take negative or legal action | 8 |
| Cont'd attempts collect debt not owed | 7 |
| Threatened to contact someone or share information improperly | 6 |
| Taking/threatening an illegal action | 2 |
| Dealing with my lender or servicer | 1 |
| Incorrect information on credit report | 1 |
| Improper use of your report | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 6 | 100% |
| 2015 | 5 | 100% |
| 2016 | 10 | 100% |
| 2017 | 12 | 100% |
| 2018 | 4 | 100% |
| 2019 | 12 | 100% |
| 2020 | 7 | 100% |
| 2021 | 10 | 100% |
| 2022 | 7 | 100% |
| 2023 | 11 | 100% |
| 2024 | 6 | 100% |
| 2025 | 17 | 100% |
Source: CFPB Consumer Complaint Database
Southern Oregon Credit Service, Inc. filings cluster in one product
Southern Oregon Credit Service, Inc.'s 107 logged complaints stay concentrated: only 8 states show a filing. 43.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2025-12-04.
Southern Oregon Credit Service, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 98.1% with a written explanation. 0.9% 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 Oregon Credit Service, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Southern Oregon Credit Service, 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: 107.
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 Oregon Credit Service, Inc. (100% timely; 0.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration