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

CFPB complaint data Grade D 182 complaints

Security Credit Systems Inc - Debt Collector Complaint Profile

CFPB complaint profile across 27 states, reputation grade D.

Complaints by issue type

What consumers report about Security Credit Systems Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Security Credit Systems Inc ranks ahead of 28% of the 5,283 collectors PlainCollector grades - 72% keep a cleaner CFPB record, on 182 all-time complaints and a 99% timely-response rate.

28th pct
reputation rank of 5,283 graded collectors
182
CFPB complaints, all-time
99%
answered inside the CFPB window
27
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Security Credit Systems Inc?

Security Credit Systems Inc has accumulated 182 total CFPB complaints across 27 states, with 27 filed in the most recent 12 months against 155 historical complaints before that window. The trailing-12-month volume represents 14.8% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate against a 32% consumer-dispute-after-response rate.

Complaints have been recorded across 27 states, led by New York with 65 and New Jersey with 17. Normalized against the full CFPB collector database, the reputation score of 56.0/100 places Security Credit Systems Inc in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

182

mid-volume (CCDB)

Last 12 months

27

14.8% of all-time complaints

Falling ↓

States active

27

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

32%

high (vertical avg ~19%)

Reputation grade

D

56.0/100 composite

How does Security Credit Systems Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 28th percentile higher than 28% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Security Credit Systems Inc versus the debt-collection vertical average.

Timely response within SLA 99.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 32.4%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 48.2%

Share of US states + territories with at least one filed complaint against this collector.

How does Security Credit Systems Inc compare to its peers?

How does SECURITY CREDIT SYSTEMS INC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
SECURITY CREDIT SYSTEM… National average
Complaints (last 12 mo)lower is better
27
78
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
32%
33%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 64
Communication tactics - 29
Written notification about debt - 23
False statements or representation - 22
Took or threatened to take negative or legal action - 14
Cont'd attempts collect debt not owed - 12
Threatened to contact someone or share information improperly - 11
Improper contact or sharing of info - 5
Disclosure verification of debt - 2

Where do complaints against Security Credit Systems Inc come from?

Security Credit Systems Inc's own per-state count, not a national baseline.

Top states by complaints against Security Credit Systems Inc

Across 27 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Security Credit Systems Inc contacts you

A grade of D signals how Security Credit Systems Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Security Credit Systems Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Security Credit Systems Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Security Credit Systems Inc? ▼

The most common issue consumers report about Security Credit Systems Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 182 complaints filed with the CFPB.

Are complaints against Security Credit Systems Inc increasing or decreasing? ▼

Complaints against Security Credit Systems Inc are falling. The company received 27 complaints in the last 12 months, showing improvement over prior periods.

What is Security Credit Systems Inc's reputation grade? ▼

Security Credit Systems Inc has a reputation grade of D (score: 56.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Security Credit Systems Inc respond to consumer complaints? ▼

Security Credit Systems Inc has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 32% of cases.

In how many states does Security Credit Systems Inc operate? ▼

Security Credit Systems Inc has received CFPB complaints from consumers in 27 states, with the most complaints from New York (65 complaints).

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

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.