Total CFPB complaints
403
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 403 complaints
Specialized Loan Servicing Holdings LLC — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Specialized Loan Servicing Holdings LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
119 complaints
- False statements or representation
False statements or representation
61 complaints
- Written notification about debt
Written notification about debt
48 complaints
- Took or threatened to take negative or legal action 40
Took or threatened to take negative or legal action
40 complaints
- Disclosure verification of debt 30
Disclosure verification of debt
30 complaints
- Cont'd attempts collect debt not owed 19
Cont'd attempts collect debt not owed
19 complaints
D
Grade D · 53.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Specialized Loan Servicing Holdings LLC?
Specialized Loan Servicing Holdings LLC has accumulated 403 total CFPB complaints across 39 states, with 0 filed in the most recent 12 months against 403 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 33% 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 39 states, led by California with 110 and Florida with 39, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.4/100 places Specialized Loan Servicing Holdings 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
0
0.0% of total history
Falling ↓
States active
39
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
D
53.4/100 composite
Response-quality profile
How Specialized Loan Servicing Holdings LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Specialized Loan Servicing Holdings LLC compare to its peers?
Specialized Loan Servi… 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)
2022-04 2024-05
Top Consumer Issues
False statements or representation61 (%)
Written notification about debt48 (%)
Took or threatened to take negative or legal action40 (%)
Attempts to collect debt not owed119 (%)
Disclosure verification of debt30 (%)
Cont'd attempts collect debt not owed19 (%)
Communication tactics12 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 61 |
| Written notification about debt | Didn't receive enough information to verify debt | 48 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 40 |
| Attempts to collect debt not owed | Debt was paid | 37 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 33 |
| Disclosure verification of debt | Not given enough info to verify debt | 30 |
| Attempts to collect debt not owed | Debt is not yours | 25 |
| Attempts to collect debt not owed | Debt was result of identity theft | 24 |
| Cont'd attempts collect debt not owed | Debt was paid | 19 |
| Communication tactics | Frequent or repeated calls | 12 |
Where do complaints against Specialized Loan Servicing Holdings LLC come from?
The states where consumers have filed the most CFPB complaints against Specialized Loan Servicing Holdings LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Specialized Loan Servicing Holdings LLC
Across 39 states with at least one filing
- California
California
110 complaints
- Florida 39
Florida
39 complaints
- North Carolina 27
North Carolina
27 complaints
- Georgia 27
Georgia
27 complaints
- Illinois 21
Illinois
21 complaints
- New York 20
New York
20 complaints
- Virginia 14
Virginia
14 complaints
- Pennsylvania 13
Pennsylvania
13 complaints
Frequently Asked Questions
What is the most common complaint against Specialized Loan Servicing Holdings LLC? ▼
The most common issue consumers report about Specialized Loan Servicing Holdings LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 403 complaints filed with the CFPB.
Are complaints against Specialized Loan Servicing Holdings LLC increasing or decreasing? ▼
Complaints against Specialized Loan Servicing Holdings LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Specialized Loan Servicing Holdings LLC's reputation grade? ▼
Specialized Loan Servicing Holdings LLC has a reputation grade of D (score: 53.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Specialized Loan Servicing Holdings LLC respond to consumer complaints? ▼
Specialized Loan Servicing Holdings LLC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does Specialized Loan Servicing Holdings LLC operate? ▼
Specialized Loan Servicing Holdings LLC has received CFPB complaints from consumers in 39 states, with the most complaints from California (110 complaints).
What can I do if Specialized Loan Servicing Holdings 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 Specialized Loan Servicing Holdings 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 |