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Data / Consumer complaints / Southern Auto Finance Co

Southern Auto Finance Co: 268 CFPB consumer complaints in the last 3 years

Southern Auto Finance Co drew 268 consumer complaints in the CFPB database in the three years to November 6, 2026, and 466 since 2014. The largest group, 144, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 61. The company responded on time to 80.2% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in Florida
  • 268Complaints, last 3 years
  • 466Complaints, all years
  • 80.2%Responded on time
  • 0.0%Closed with relief
  • 5Products
  • Oct 19, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 684
2025109
202467
202337
202230
202131
202035
201916
201829
201718
20167
20152
20141

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Credit reporting or other personal consumer reports14453.7%
Debt collection6524.3%
Vehicle loan or lease5620.9%
Credit card20.7%
Money transfer, virtual currency, or money service10.4%

Issues

IssueComplaintsShare
Incorrect information on your report6122.8%
Improper use of your report5922%
Problem with a company's investigation into an existing problem3312.3%
Attempts to collect debt not owed269.7%
Took or threatened to take negative or legal action228.2%
Repossession207.5%
Managing the loan or lease145.2%
False statements or representation124.5%
Getting a loan or lease51.9%
Problems at the end of the loan or lease41.5%
Written notification about debt31.1%
Credit monitoring or identity theft protection services20.7%
Struggling to pay your loan20.7%
Communication tactics10.4%
Money was not available when promised10.4%
Other features, terms, or problems10.4%
Threatened to contact someone or share information improperly10.4%
Unable to get your credit report or credit score10.4%

How the company responded

Company responseComplaintsShare
Closed with explanation268100%

States

StateComplaintsShare
Florida10639.6%
Texas5721.3%
Georgia2810.4%
California228.2%
South Carolina124.5%
North Carolina62.2%
Tennessee62.2%
Arizona41.5%
Illinois31.1%
Pennsylvania31.1%
Indiana20.7%
Michigan20.7%
Mississippi20.7%
New Jersey20.7%
Ohio20.7%
Utah20.7%
Alabama10.4%
Kentucky10.4%
Maryland10.4%
Missouri10.4%
Nevada10.4%
New York10.4%
Rhode Island10.4%
Virginia10.4%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 19, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
October 19, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 11, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 9, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 6, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
September 24, 2026Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 13, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 12, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
September 8, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
September 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 3, 2026Vehicle loan or leaseGetting a loan or leaseClosed with explanationconsumerfinance.gov
September 2, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 30, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 28, 2026Vehicle loan or leaseIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 26, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
August 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 19, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 19, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 19, 2026Vehicle loan or leaseProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 4, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 29, 2026Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
July 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 24, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
July 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 21, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 20, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
July 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 13, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 8, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 8, 2026Vehicle loan or leaseProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
June 27, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 26, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
June 24, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 14, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 1, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
May 24, 2026Vehicle loan or leaseProblems at the end of the loan or leaseClosed with explanationconsumerfinance.gov
May 23, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
May 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 20, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 14, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 12, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 5, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.