What is the most common complaint against Security Credit Services, LLC?

The most common issue consumers report about Security Credit Services, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2,805 complaints filed with the CFPB.

Are complaints against Security Credit Services, LLC increasing or decreasing?

Complaints against Security Credit Services, LLC are rising. The company received 1,065 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Security Credit Services, LLC's reputation grade?

Security Credit Services, LLC has a reputation grade of D (score: 51.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Security Credit Services, LLC respond to consumer complaints?

Security Credit Services, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 28% of cases.

In how many states does Security Credit Services, LLC operate?

Security Credit Services, LLC has received CFPB complaints from consumers in 50 states, with the most complaints from Texas (554 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Security Credit Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

1,351
Written notification about debt

563
Took or threatened to take negative or legal action

388
False statements or representation

329
Communication tactics

51
Cont'd attempts collect debt not owed

47

Data updated September 2026

CFPB complaint disposition

CCDB record security-credit-services-llc Security Credit Services, LLC

Grade D · 2,805 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #59 · compose #4049

VOL 2,805
GRADE D
12MO 1,065
STATES 50
TIMELY 100%
DISPUTE 28%
ISSUE Attempts to collect debt n…
RANK #59
COMPOSE #4,049

Volume peers

Nearest volume peer: Barclays Bank Delaware (2,830 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Security Credit Services, LLC's 2,805 CFPB complaints sit next to Barclays Bank Delaware on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Security Credit Services, LLC (19.8%)

Volume rank #59 and composite rank #4,049 diverge by 3,990 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 19.8%; Mid-band (15–30%) · 50 states with ≥1 filing
Seasonal peak: 2026-01 10.5%; 8–15% band · 6 filings
Divergent corpus ranks: #59 volume; #4,049 composite; Cleanest-composite ladder is 3,990 places worse than volume

How does Security Credit Services, LLC compare to its peers?

How does Security Credit Services, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Security Credit Servic… National average

Complaints (last 12 mo)lower is better

1,065

1,066

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

28%

18%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1,351
Written notification about debt	563
Took or threatened to take negative or legal action	388
False statements or representation	329
Communication tactics	51
Cont'd attempts collect debt not owed	47
Disclosure verification of debt	35
Threatened to contact someone or share information improperly	20
Electronic communications	13
Taking/threatening an illegal action	5

Where do complaints against Security Credit Services, LLC come from?

Security Credit Services, LLC's own per-state count, not a national baseline.

Texas

554
Georgia

309
Florida

282
California

196
New York

135
Illinois

109
Pennsylvania

100
South Carolina

100

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Security Credit Services, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 2,805.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.67948717948718%.

4 peers

Know your rights before responding to Security Credit Services, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.