Debt collection
Southern Oregon Credit Service debt collection complaints
Consumers have filed 94 complaints about Southern Oregon Credit Service's debt collection, 2 in the last 12 months. Southern Oregon Credit Service answered 100% on time and closed 0% with relief. See the whole Southern Oregon Credit Service record.
Southern Oregon Credit Service 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 Oregon Credit Service | 2 | 100% | 0% |
Latest Southern Oregon Credit Service debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| 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 |
| 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 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 7, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jun 2, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 16, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Feb 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 17, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 31, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 23, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 18, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 12, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Aug 8, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Aug 2, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 10, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 9, 2023 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 15, 2023 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 8, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 23, 2023 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Aug 23, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 17, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 12, 2023 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jul 11, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 16, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | 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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