Debt collector · complaint record
Southern Credit complaints
Filed under Southern Credit LLC
Consumers have filed 4 complaints about Southern Credit since 2024, 1 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 4
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,510 of 1,963
Since August 2024
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 26, 2025
Most complained-about debt collectors
Southern Credit complaints by month
The busiest month was August 2024 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Southern Credit answered all time
- Closed with explanation4100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Southern Credit complaints are about
Top Southern Credit problems
Inside "Took or threatened to take negative or legal action"
- Sued you without properly notifying you of lawsuit 1
Southern Credit compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Southern CreditDebt collection | - | 1 | - |
Compare side by side: Southern Credit vs Green Square · Southern Credit vs EMoneyUSA · Southern Credit vs Mullooly Jeffrey Rooney & Flynn · Southern Credit vs Credit World Services
What people say about Southern Credit
All experiencesNo experiences with Southern Credit yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Southern Credit complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 26, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jul 4, 2025 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Feb 28, 2025 | Payday & personal loans | Vehicle was repossessed or sold the vehicle | Explained |
| Aug 26, 2024 | Credit reporting | Identity theft protection or other monitoring servicesProblem canceling credit monitoring or identify theft protection service | Explained |
Questions about Southern Credit
How many complaints does Southern Credit have?
Southern Credit has 4 complaints on record since August 2024, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Southern Credit respond to complaints?
Yes. Southern Credit answered 0% 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.
What do people complain about most with Southern Credit?
The most common problems are took or threatened to take negative or legal action (1), identity theft protection or other monitoring services (1), vehicle was repossessed or sold the vehicle (1).
Is Southern Credit legit?
Southern Credit is a real company with a public complaint record: consumers have complained about it 4 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Southern Credit legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Southern Credit?
Complain to Southern Credit 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 Credit complaints come from?
Most come from Louisiana (4). 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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