Debt collection
Special Financing debt collection complaints
Consumers have filed 19 complaints about Special Financing's debt collection, 6 in the last 12 months. Special Financing answered 100% on time and closed 0% with relief. See the whole Special Financing record.
Special Financing against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Special Financing | 6 | 100% | 0% |
Latest Special Financing debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 5, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jun 2, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| May 20, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Dec 8, 2025 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Sep 30, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 21, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 5, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 3, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 22, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 15, 2021 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 25, 2021 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 28, 2019 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Sep 27, 2018 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 12, 2017 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 25, 2016 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Explained |
| Aug 12, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Mar 31, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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