CFPB Consumer Complaint Profile
Specialized Collection Systems, Inc.
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 107
- Total complaints
- Mid-range
- 31
- Last 12 months
- 89.7%
- Timely response
- Bottom quartile
- 10
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Specialized Collection Systems, Inc. places #1283 by volume. For answering complaints on time it stands at the 18th percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Specialized Collection Systems, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
89.7% Among the lowest higher than 18% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 19 in 2024 to 30 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 37 |
| 2023 | 14 |
| 2024 | 19 |
| 2025 | 30 |
| 2026year in progress | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Specialized Collection Systems, Inc.
In the CFPB record, Specialized Collection Systems, Inc. has a geographically concentrated complaint footprint. 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.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
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?
CFPB complaints against Specialized Collection Systems, Inc. draw a 89.7% timely-response rate inside 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.