Debt collection
Southern Auto Finance debt collection complaints
Consumers have filed 103 complaints about Southern Auto Finance's debt collection, 30 in the last 12 months (+25%). Southern Auto Finance answered 53.3% on time and closed 0% with relief. See the whole Southern Auto Finance record.
Southern Auto Finance against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Southern Auto Finance | 30 | 53.3% | 0% |
Latest Southern Auto Finance debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 19, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | 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 |
| Aug 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 19, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 4, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 24, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 19, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you in a state where you do not live or did not sign for the debt | Explained |
| Jan 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 18, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 9, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 9, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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