Debt collector · complaint record
Specified Credit Association complaints
Filed under Specified Credit Association, Inc.
Consumers have filed 32 complaints about Specified Credit Association since 2013, 3 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is communication tactics.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 32
- Last 12 months
- 3
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,125 of 1,963
Since September 2013
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Jul 1, 2026
Most complained-about debt collectors
Specified Credit Association complaints by month
The busiest month was September 2013 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Specified Credit Association answered all time
- Closed with non-monetary relief825%
- Closed with explanation2475%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Specified Credit Association complaints are about
Top Specified Credit Association problems
Inside "Communication tactics"
- Frequent or repeated calls 5
- Used obscene, profane, or other abusive language 3
- Called after sent written cease of comm 1
Where Specified Credit Association complaints come from
Most complaints: Illinois (8), Missouri (7), New Jersey (3), California (2), New Hampshire (1).
Specified Credit Association compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Specified Credit AssociationDebt collection | - | 3 | - |
Compare side by side: Specified Credit Association vs Green Square · Specified Credit Association vs EMoneyUSA · Specified Credit Association vs Mullooly Jeffrey Rooney & Flynn · Specified Credit Association vs Credit World Services
What people say about Specified Credit Association
All experiencesNo experiences with Specified Credit Association yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Specified Credit Association complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 1, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Jan 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 8, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Sep 24, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 22, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Apr 23, 2024 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Fixed |
| Mar 22, 2023 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Oct 24, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Aug 22, 2022 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Fixed |
| Jan 18, 2022 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 21, 2020 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 31, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Specified Credit Association
How many complaints does Specified Credit Association have?
Specified Credit Association has 32 complaints on record since September 2013, including 3 in the last 12 months and 0 in the last 30 days. That makes it number 2,246 of every company by complaints this year.
Does Specified Credit Association respond to complaints?
Yes. Specified Credit Association answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Specified Credit Association?
The most common problems are communication tactics (9), attempts to collect debt not owed (6), cont'd attempts collect debt not owed (5).
Is Specified Credit Association legit?
Specified Credit Association is a real company with a public complaint record: consumers have complained about it 32 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Specified Credit Association legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Specified Credit Association?
Complain to Specified Credit Association in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Specified Credit Association complaints come from?
Most come from Illinois (8), Missouri (7), New Jersey (3). Big states file more complaints, so the map shows complaints per 100,000 people.
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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