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

CFPB complaint data Grade C 30 complaints

Specified Credit Association, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade C.

Complaints by issue type

What consumers report about Specified Credit Association, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 65.3/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: Specified Credit Association, Inc. ranks ahead of 60% of the 5,283 collectors PlainCollector grades - 40% keep a cleaner CFPB record, on 30 all-time complaints and a 83% timely-response rate.

60th pct
reputation rank of 5,283 graded collectors
30
CFPB complaints, all-time
83%
answered inside the CFPB window
3
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 Specified Credit Association, Inc.?

Specified Credit Association, Inc. has accumulated 30 total CFPB complaints across 15 states, with 3 filed in the most recent 12 months against 27 historical complaints before that window. The trailing-12-month volume represents 10.0% 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 "Communication tactics", narrowing to "Debt is not yours". The company posts a 83% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 15 states, led by Illinois with 7 and Missouri with 6. Normalized against the full CFPB collector database, the reputation score of 65.3/100 places Specified Credit Association, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

30

low-volume (CCDB)

Last 12 months

3

10.0% of all-time complaints

Falling ↓

States active

15

regional footprint

Timely response rate

83%

acceptable band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

65.3/100 composite

How does Specified Credit Association, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

65 60th percentile higher than 60% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Specified Credit Association, Inc. versus the debt-collection vertical average.

Timely response within SLA 83.3%
Vertical avg

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

Consumer dispute rate (post-response) 0.0%
Vertical avg

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

State coverage breadth 26.8%

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

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, drawn from 10 collectors with a comparable complaint count
Specified Credit Assoc… National average
Complaints (last 12 mo)lower is better
3
0
268
Timely-response ratehigher is better
83%
93%
91%
Consumer-dispute ratelower is better
0%
12%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-09 2026-01

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Specified Credit Association, Inc.

Across 15 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Specified Credit Association, Inc. contacts you

A grade of C signals how Specified Credit Association, 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 Specified Credit Association, 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 Specified Credit Association, 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 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: 65.3/100), 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).

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.