Debt collection
Specified Credit Association debt collection complaints
Consumers have filed 31 complaints about Specified Credit Association's debt collection, 3 in the last 12 months. Specified Credit Association answered 100% on time and closed 0% with relief. See the whole Specified Credit Association record.
Specified Credit Association 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 | Specified Credit Association | 3 | 100% | 0% |
Latest Specified Credit Association debt collection complaints
| 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 |
| 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 |
| Jun 25, 2019 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 1, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 18, 2018 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| Aug 29, 2017 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 12, 2016 | Debt collection | Communication tacticsCalled after sent written cease of comm | Fixed |
| Sep 8, 2016 | Debt collection | Improper contact or sharing of infoTalked to a third party about my debt | Fixed |
| Aug 29, 2016 | Debt collection | Improper contact or sharing of infoContacted employer after asked not to | Fixed |
| Aug 17, 2016 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Dec 29, 2015 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Explained |
| Oct 15, 2015 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 21, 2015 | Debt collection | Taking/threatening an illegal actionAttempted to/Collected exempt funds | Explained |
| Jan 27, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Dec 23, 2014 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Dec 17, 2014 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 24, 2014 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Fixed |
| Oct 23, 2014 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Fixed |
| Jun 19, 2014 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| May 14, 2014 | Debt collection | Taking/threatening an illegal actionAttempted to/Collected exempt funds | Explained |
| Sep 24, 2013 | Debt collection | Disclosure verification of debtRight to dispute notice not received | 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.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
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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