Southern Oregon Credit Service, Inc. Consumer Complaints
Southern Oregon Credit Service, Inc. has received 107 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 107 total complaints on file with the CFPB.
- Most complaints are about Debt collection (93).
- Timely response rate: 100.0%.
- Consumer disputed rate: 20.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Southern Oregon Credit Service, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Debt collection | 93 | 86.9% |
| Credit reporting, credit repair services, or other personal consumer reports | 9 | 8.4% |
| Credit reporting or other personal consumer reports | 3 | 2.8% |
| Credit reporting | 1 | 0.9% |
| Student loan | 1 | 0.9% |
Most Common Issues
These are the specific issues consumers most frequently report about Southern Oregon Credit Service, Inc..
Company Response Breakdown
When consumers file complaints, Southern Oregon Credit Service, Inc. responds in one of several ways. The breakdown below shows how Southern Oregon Credit Service, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 105 | 98.1% |
| Closed | 1 | 0.9% |
| Closed with monetary relief | 1 | 0.9% |
Complaints by State
Top states where consumers have filed complaints against Southern Oregon Credit Service, Inc..
| State | Complaints |
|---|---|
| Oregon | 83 |
| California | 9 |
| Arizona | 4 |
| Washington | 4 |
| Tennessee | 2 |
| Alabama | 1 |
| Maryland | 1 |
| Wisconsin | 1 |
Your Rights
What to do if you have a complaint against Southern Oregon Credit Service, Inc.
- Contact Southern Oregon Credit Service, Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
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How many complaints does Southern Oregon Credit Service, Inc. have?
Southern Oregon Credit Service, Inc. has 107 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about Southern Oregon Credit Service, Inc.?
The most common issue reported is Attempts to collect debt not owed with 21 complaints.
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How do I file a complaint against Southern Oregon Credit Service, Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Southern Oregon Credit Service, Inc. respond to complaints on time?
Southern Oregon Credit Service, Inc. has a 100.0% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.