Credit bureau · complaint record
Southern Auto Finance complaints
Filed under Southern Auto Finance Co
Consumers have filed 468 complaints about Southern Auto Finance since 2014, 104 of them in the last 12 months (+6% on the year before). It answered 53.8% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report.
Poor response record. How it works
- Complaints on record
- 468
- Last 12 months
- 104
- Answered on time
- 53.8%
- Closed with relief
- 0%
- Last 30 days
- 4
- Rank
- #76 of 566
Since November 2014
+6% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 29, 2026
Most complained-about credit bureaus & report companies
Southern Auto Finance complaints by month
The busiest month was July 2025 (13 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Southern Auto Finance answered last 12 months
- Closed with explanation10399%
- In progress11%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4553.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend9/15+6% vs last year
What Southern Auto Finance complaints are about
Top Southern Auto Finance problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 42
- Information belongs to someone else 30
- Account status incorrect 23
- Old information reappears or never goes away 7
- Public record information inaccurate 2
- Information is missing that should be on the report 1
Where Southern Auto Finance complaints come from
Most complaints: Florida (178), Texas (97), Georgia (53), California (26), South Carolina (18).
Southern Auto Finance compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Security Service Federal Credit UnionCredit reporting | 68 | 114 | B |
| 2 | CertegyCredit reporting | 54 | 114 | C |
| 3 | First Help FinancialCredit reporting | 33 | 105 | F |
| 4 | Southern Auto FinanceCredit reporting | 9 | 104 | F |
| 5 | CashRepublicCredit reporting | 50 | 97 | C |
| 6 | Capital AccountsCredit reporting | 10 | 90 | F |
| 7 | Park HillCredit reporting | 56 | 90 | C |
| 8 | Universal AcceptanceCredit reporting | 49 | 89 | D |
Compare side by side: Southern Auto Finance vs Security Service Federal Credit Union · Southern Auto Finance vs Certegy · Southern Auto Finance vs First Help Financial · Southern Auto Finance vs CashRepublic
What people say about Southern Auto Finance
All experiencesNo experiences with Southern Auto Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Southern Auto Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 29, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | In progress |
| Oct 26, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Oct 19, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Oct 19, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 11, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 9, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 6, 2026 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Sep 24, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Sep 15, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 12, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Sep 8, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
Questions about Southern Auto Finance
How many complaints does Southern Auto Finance have?
Southern Auto Finance has 468 complaints on record since November 2014, including 104 in the last 12 months and 4 in the last 30 days. That makes it number 466 of every company by complaints this year.
Does Southern Auto Finance respond to complaints?
Yes. Southern Auto Finance answered 53.8% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 9/100 (grade F).
What do people complain about most with Southern Auto Finance?
The most common problems are incorrect information on your report (105), improper use of your report (107), took or threatened to take negative or legal action (23).
Is Southern Auto Finance legit?
Southern Auto Finance is a real company with a public complaint record: consumers have complained about it 468 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Southern Auto Finance legit? for the signals, red flags and how to protect yourself.
Are complaints about Southern Auto Finance going up or down?
Roughly level. There were 104 complaints in the last 12 months against 98 in the 12 before (+6%). See every month.
How do I file a complaint against Southern Auto Finance?
Complain to Southern Auto Finance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Southern Auto Finance complaints come from?
Most come from Florida (178), Texas (97), Georgia (53). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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