Debt collector · complaint record
Southern Oregon Credit Service complaints
Filed under Southern Oregon Credit Service, Inc.
Consumers have filed 110 complaints about Southern Oregon Credit Service since 2013, 4 of them in the last 12 months (-79% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 110
- Last 12 months
- 4
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,016 of 1,963
Since August 2013
-79% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Sep 10, 2026
Most complained-about debt collectors
Southern Oregon Credit Service complaints by month
The busiest month was July 2017 (4 complaints). Complaints in the last 12 months are down 79% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Southern Oregon Credit Service answered all time
- Closed with monetary relief10.9%
- Closed with explanation10898.2%
- Closed10.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Southern Oregon Credit Service complaints are about
Top Southern Oregon Credit Service problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 11
- Debt was paid 6
- Debt was result of identity theft 4
Where Southern Oregon Credit Service complaints come from
Most complaints: Oregon (83), California (10), Arizona (4), Washington (4), Texas (2).
Southern Oregon Credit Service 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 Oregon Credit ServiceDebt collection | - | 4 | - |
Compare side by side: Southern Oregon Credit Service vs Green Square · Southern Oregon Credit Service vs EMoneyUSA · Southern Oregon Credit Service vs Mullooly Jeffrey Rooney & Flynn · Southern Oregon Credit Service vs Credit World Services
What people say about Southern Oregon Credit Service
All experiencesNo experiences with Southern Oregon Credit Service yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Southern Oregon Credit Service complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 10, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 10, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 4, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Nov 14, 2025 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Oct 23, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 14, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Sep 16, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 29, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 14, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 9, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jun 9, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
Questions about Southern Oregon Credit Service
How many complaints does Southern Oregon Credit Service have?
Southern Oregon Credit Service has 110 complaints on record since August 2013, including 4 in the last 12 months and 0 in the last 30 days. That makes it number 2,028 of every company by complaints this year.
Does Southern Oregon Credit Service respond to complaints?
Yes. Southern Oregon Credit Service answered 100% 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 Oregon Credit Service?
The most common problems are incorrect information on your report (12), took or threatened to take negative or legal action (9), threatened to contact someone or share information improperly (6).
Is Southern Oregon Credit Service legit?
Southern Oregon Credit Service is a real company with a public complaint record: consumers have complained about it 110 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Southern Oregon Credit Service legit? for the signals, red flags and how to protect yourself.
Are complaints about Southern Oregon Credit Service going up or down?
Down. There were 4 complaints in the last 12 months against 19 in the 12 before (-79%). See every month.
How do I file a complaint against Southern Oregon Credit Service?
Complain to Southern Oregon Credit Service 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 Oregon Credit Service complaints come from?
Most come from Oregon (83), California (10), Arizona (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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