Total CFPB complaints
2,496
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 2,496 complaints
Security Credit Services, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 50 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Security Credit Services, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,171 complaints
- Written notification about debt
Written notification about debt
487 complaints
- Took or threatened to take negative or legal action 283
Took or threatened to take negative or legal action
283 complaints
- False statements or representation 279
False statements or representation
279 complaints
- Disclosure verification of debt 26
Disclosure verification of debt
26 complaints
- Cont'd attempts collect debt not owed 26
Cont'd attempts collect debt not owed
26 complaints
D
Grade D · 53.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Security Credit Services, LLC?
Security Credit Services, LLC has accumulated 2,496 total CFPB complaints across 50 states, with 964 filed in the most recent 12 months against 1,532 historical complaints before that window. The trailing-12-month volume represents 38.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 28% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 50 states, led by Texas with 497 and Georgia with 276, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.2/100 places Security Credit Services, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
964
38.6% of total history
Rising ↑
States active
50
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
28%
After company response
Reputation grade
D
53.2/100 composite
Response-quality profile
How Security Credit Services, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 56.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 89.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Security Credit Services, LLC compare to its peers?
Security Credit Servic… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed1,171 (%)
Written notification about debt487 (%)
Took or threatened to take negative or legal action283 (%)
False statements or representation279 (%)
Disclosure verification of debt26 (%)
Cont'd attempts collect debt not owed26 (%)
Communication tactics20 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 714 |
| Attempts to collect debt not owed | Debt was result of identity theft | 387 |
| Written notification about debt | Didn't receive enough information to verify debt | 325 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 283 |
| False statements or representation | Attempted to collect wrong amount | 279 |
| Written notification about debt | Didn't receive notice of right to dispute | 162 |
| Attempts to collect debt not owed | Debt was paid | 70 |
| Disclosure verification of debt | Not given enough info to verify debt | 26 |
| Cont'd attempts collect debt not owed | Debt is not mine | 26 |
| Communication tactics | Frequent or repeated calls | 20 |
Where do complaints against Security Credit Services, LLC come from?
The states where consumers have filed the most CFPB complaints against Security Credit Services, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Security Credit Services, LLC
Across 50 states with at least one filing
- Texas
Texas
497 complaints
- Georgia
Georgia
276 complaints
- Florida
Florida
250 complaints
- California 177
California
177 complaints
- New York 126
New York
126 complaints
- Illinois 101
Illinois
101 complaints
- Pennsylvania 93
Pennsylvania
93 complaints
- South Carolina 85
South Carolina
85 complaints
Frequently Asked Questions
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 2,496 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 964 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: 53.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (497 complaints).
What can I do if Security Credit Services, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Security Credit Services, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |