Total CFPB complaints
76
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 76 complaints
Specialized Collection Systems, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Specialized Collection Systems, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
31 complaints
- Written notification about debt
Written notification about debt
28 complaints
- Took or threatened to take negative or legal action 8
Took or threatened to take negative or legal action
8 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Electronic communications 1
Electronic communications
1 complaints
F
Grade F · 51.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Specialized Collection Systems, Inc.?
Specialized Collection Systems, Inc. has accumulated 76 total CFPB complaints across 7 states, with 24 filed in the most recent 12 months against 52 historical complaints before that window. The trailing-12-month volume represents 31.6% 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 91% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by Texas with 69 and Alabama with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.2/100 places Specialized Collection Systems, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
24
31.6% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Reputation grade
F
51.2/100 composite
Response-quality profile
How Specialized Collection Systems, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Specialized Collection Systems, Inc. compare to its peers?
Specialized Collection… 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)
2023-03 2026-03
Top Consumer Issues
Attempts to collect debt not owed31 (%)
Written notification about debt28 (%)
Took or threatened to take negative or legal action8 (%)
False statements or representation4 (%)
Electronic communications1 (%)
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 | 20 |
| Written notification about debt | Didn't receive enough information to verify debt | 15 |
| Written notification about debt | Didn't receive notice of right to dispute | 10 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
Where do complaints against Specialized Collection Systems, Inc. come from?
The states where consumers have filed the most CFPB complaints against Specialized Collection Systems, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Specialized Collection Systems, Inc.
Across 7 states with at least one filing
- Texas
Texas
69 complaints
- Alabama 2
Alabama
2 complaints
- California 1
California
1 complaints
- Kentucky 1
Kentucky
1 complaints
- Missouri 1
Missouri
1 complaints
- Louisiana 1
Louisiana
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Specialized Collection Systems, Inc.? ▼
The most common issue consumers report about Specialized Collection Systems, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 76 complaints filed with the CFPB.
Are complaints against Specialized Collection Systems, Inc. increasing or decreasing? ▼
Complaints against Specialized Collection Systems, Inc. are rising. The company received 24 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Specialized Collection Systems, Inc.'s reputation grade? ▼
Specialized Collection Systems, Inc. has a reputation grade of F (score: 51.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Specialized Collection Systems, Inc. respond to consumer complaints? ▼
Specialized Collection Systems, Inc. has a 91% timely response rate to CFPB complaints.
In how many states does Specialized Collection Systems, Inc. operate? ▼
Specialized Collection Systems, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Texas (69 complaints).
What can I do if Specialized Collection Systems, Inc. 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 Specialized Collection Systems, Inc. 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 |