What is the most common complaint against Specified Credit Association, Inc.?

The most common issue consumers report about Specified Credit Association, Inc. is "Communication tactics", specifically "Debt is not yours". This is based on 30 complaints filed with the CFPB.

Are complaints against Specified Credit Association, Inc. increasing or decreasing?

Complaints against Specified Credit Association, Inc. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Specified Credit Association, Inc.'s reputation grade?

Specified Credit Association, Inc. has a reputation grade of C (score: 61.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Specified Credit Association, Inc. respond to consumer complaints?

Specified Credit Association, Inc. has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Specified Credit Association, Inc. operate?

Specified Credit Association, Inc. has received CFPB complaints from consumers in 15 states, with the most complaints from Illinois (7 complaints).

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

Specified Credit Association, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade C.

Compiled by PlainCollector

Communication tactics

8
Attempts to collect debt not owed

6
Cont'd attempts collect debt not owed

5
Disclosure verification of debt

3
Threatened to contact someone or share information improperly

2
Improper contact or sharing of info

2

Data updated September 2026

CFPB complaint disposition

CCDB record specified-credit-association-inc Specified Credit Association, Inc.

Grade C · 30 CFPB filings · 83% timely · lead issue: Communication tactics · vol #1548 · compose #2129

VOL 30
GRADE C
12MO 3
STATES 15
TIMELY 83%
DISPUTE 0%
ISSUE Communication tactics
RANK #1,548
COMPOSE #2,129

Volume peers

Nearest volume peer: Atlantic Collection Agency, Inc. (30 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Specified Credit Association, Inc.'s 30 CFPB complaints sit next to Atlantic Collection Agency, Inc. 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 →

Spiky monthly series

Illinois is the plurality state for Specified Credit Association, Inc. (23.3%)

The 2015-10 spike coincides with a 581-place gap between volume rank #1,548 and composite #2,129. Corpus placement method.

Plurality state: Illinois 23.3%; Mid-band (15–30%) · 15 states with ≥1 filing
Spike month: 2015-10 18.8%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,548 volume; #2,129 composite; Cleanest-composite ladder is 581 places worse than volume

How does Specified Credit Association, Inc. compare to its peers?

How does Specified Credit Association, 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

Specified Credit Assoc… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

83%

93%

91%

Consumer-dispute ratelower is better

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-09 2026-01

Issue Detail Breakdown

Issue	Complaints
Communication tactics	8
Attempts to collect debt not owed	6
Cont'd attempts collect debt not owed	5
Disclosure verification of debt	3
Threatened to contact someone or share information improperly	2
Improper contact or sharing of info	2
Taking/threatening an illegal action	2
Written notification about debt	1
False statements or representation	1

Where do complaints against Specified Credit Association, Inc. come from?

Specified Credit Association, Inc.'s own per-state count, not a national baseline.

Illinois

7
Missouri

6
New Jersey

3
California

2
Colorado

1
Connecticut

1
Florida

1
Georgia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Specified Credit Association, 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: 30.

4 peers

Know your rights before responding to Specified Credit Association, 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.