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

CFPB complaint data Grade F 82 complaints

Specialized Collection Systems, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade F.

Complaints by issue type

What consumers report about Specialized Collection Systems, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record specialized-collection-systems-inc Specialized Collection Systems, Inc.

Grade F · 82 CFPB filings · 91% timely · lead issue: Attempts to collect debt not owed

  • VOL 82
  • GRADE F
  • 12MO 24
  • STATES 9
  • TIMELY 91%
  • ISSUE Attempts to collect debt n…
  • RANK #919
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Professional Collectors Corp. (82 complaints)

Professional Collectors Corp.Professional Collectors Corp.82Recovery Management Solutions LLCRecovery Management Solution…82Specialized Collection Systems, Inc. (this)Specialized Collection Syste…82Credit Adjustments IncCredit Adjustments Inc83Reel Time Capital LLCReel Time Capital LLC83
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Specialized Collection Systems, Inc.'s 82 CFPB complaints sit next to Professional Collectors Corp. 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 →

How the 82 complaints break down

Every complaint issue type on record for Specialized Collection Systems, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
48.3/100
Specialized Collection Systems, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
82
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
91%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

87.8% of Specialized Collection Systems, Inc.'s CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Texas 87.8%
72 of 82 filings · 9 states touched
Seasonal peak
2025-01 13.6%
8–15% band · 3 filings
Corpus ranks
#919 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Specialized Collection Systems, Inc. compare to its peers?

How does Specialized Collection Systems, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Specialized Collection Systems, Inc. National average
Complaints (last 12 mo)lower is better
24
25
268
Timely-response ratehigher is better
91%
99%
91%
Consumer-dispute ratelower is better
0%
100%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Specialized Collection Systems, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100% 0%50%100%150% Timely response rate (%) Dispute rate (%) Specialized Collection Systems, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Recovery Management Solutions LLCAccount Management ResourcesBepensa Capital, Inc.RevSolve, Inc.Business Revenue Systems, Inc.Credit Adjustments IncGordon, Aylworth & Tami, P.C.Ragan & Ragan, PC
Source: CFPB Consumer Complaint Database

Specialized Collection Systems, Inc.'s complaint volume in context

Specialized Collection Systems, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

82 Top 17% higher than 83% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Specialized Collection Systems, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-01 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
35
Written notification about debt
29
Took or threatened to take negative or legal action
10
False statements or representation
4
Communication tactics
3
Electronic communications
1

Where do complaints against Specialized Collection Systems, Inc. come from?

Specialized Collection Systems, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Specialized Collection Systems, Inc.

Across 9 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Specialized Collection Systems, Inc.: 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: 82.

4 peers

Know your rights before responding to Specialized Collection Systems, Inc.: 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.