CFPB Consumer Complaint Profile
Specialized Collection Systems, Inc.
What 107 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 107
- Total complaints
- 31
- Last 12 months
- 89.7%
- Timely response
- 10
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Specialized Collection Systems, Inc. has accumulated 107 complaints, placing it #1285 by volume. 89.7% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.
- #1285
- of 3,848 companies by volume
- 89.7%
- answered on time
- Debt collection
- most-complained product
- 10
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 37 |
| 2023 | 14 |
| 2024 | 19 |
| 2025 | 30 |
| 2026 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Specialized Collection Systems, Inc.
107 complaints against Specialized Collection Systems, Inc. appear in the CFPB record, including 31 from the trailing year. The 10 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Specialized Collection Systems, Inc.'s timely response rate stands at 89.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Specialized Collection Systems, Inc. have?
Specialized Collection Systems, Inc. has 107 total consumer complaints filed with the CFPB, with 31 filed in the last 12 months.
Does Specialized Collection Systems, Inc. respond to complaints on time?
89.7% of the CFPB complaints against Specialized Collection Systems, Inc. get a response within the expected window.
What product generates the most complaints for Specialized Collection Systems, Inc.?
Among all products tied to Specialized Collection Systems, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Specialized Collection Systems, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Specialized Collection Systems, Inc.; the full issue list with counts is above.
How do I file a complaint against Specialized Collection Systems, Inc.?
You can file a complaint against Specialized Collection Systems, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Specialized Collection Systems, Inc.?
The CFPB has recorded complaints against Specialized Collection Systems, Inc. from 10 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~107)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.