Total CFPB complaints
45
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 45 complaints
Systematic National Collection, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 20 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Systematic National Collection, Inc.
- Written notification about debt
Written notification about debt
10 complaints
- False statements or representation
False statements or representation
8 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
6 complaints
- Communication tactics
Communication tactics
5 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
D
Grade D · 57.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Systematic National Collection, Inc.?
Systematic National Collection, Inc. has accumulated 45 total CFPB complaints across 20 states, with 0 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 78% timely-response rate against a 15% 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 20 states, led by California with 19 and Utah with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.6/100 places Systematic National Collection, Inc. 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
Stable →
States active
20
Distinct state filings
Timely response rate
78%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
D
57.6/100 composite
Response-quality profile
How Systematic National Collection, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 77.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 30.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 35.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Systematic National Collection, Inc. compare to its peers?
Systematic National Co… 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)
2016-10 2021-06
Top Consumer Issues
Written notification about debt10 (%)
Attempts to collect debt not owed7 (%)
Cont'd attempts collect debt not owed6 (%)
False statements or representation8 (%)
Took or threatened to take negative or legal action3 (%)
Communication tactics5 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| Attempts to collect debt not owed | Debt is not yours | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| False statements or representation | Attempted to collect wrong amount | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Communication tactics | Frequent or repeated calls | 2 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Systematic National Collection, Inc. come from?
The states where consumers have filed the most CFPB complaints against Systematic National Collection, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Systematic National Collection, Inc.
Across 20 states with at least one filing
- California
California
19 complaints
- Utah 3
Utah
3 complaints
- Massachusetts 2
Massachusetts
2 complaints
- Wisconsin 2
Wisconsin
2 complaints
- New York 2
New York
2 complaints
- Washington 2
Washington
2 complaints
- North Carolina 2
North Carolina
2 complaints
- West Virginia 1
West Virginia
1 complaints
Frequently Asked Questions
What is the most common complaint against Systematic National Collection, Inc.? ▼
The most common issue consumers report about Systematic National Collection, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 45 complaints filed with the CFPB.
Are complaints against Systematic National Collection, Inc. increasing or decreasing? ▼
Complaints against Systematic National Collection, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Systematic National Collection, Inc.'s reputation grade? ▼
Systematic National Collection, Inc. has a reputation grade of D (score: 57.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Systematic National Collection, Inc. respond to consumer complaints? ▼
Systematic National Collection, Inc. has a 78% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.
In how many states does Systematic National Collection, Inc. operate? ▼
Systematic National Collection, Inc. has received CFPB complaints from consumers in 20 states, with the most complaints from California (19 complaints).
What can I do if Systematic National Collection, 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 Systematic National Collection, 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 |