CFPB Consumer Complaint Profile
Specified Credit Association, Inc.
Consumers have filed 31 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 31
- Total complaints
- Mid-range
- 3
- Last 12 months
- 80.6%
- Timely response
- Bottom decile
- 15
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Specified Credit Association, Inc. sits at #2304, with 31 complaints logged. On-time replies land at 80.6%, the 10th percentile for the 100+ complaint peer group.
- #2304
- of 3,843 companies by volume
- 80.6%
- on time (10th pctile)
- Debt collection
- most-complained product
- 15
- states with 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.
Specified Credit Association, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
80.6% Among the lowest higher than 10% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 2 |
| 2014 | 6 |
| 2015 | 4 |
| 2016 | 4 |
| 2017 | 1 |
| 2018 | 1 |
| 2019 | 3 |
| 2020 | 1 |
| 2022 | 3 |
| 2023 | 1 |
| 2024 | 2 |
| 2025 | 1 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Specified Credit Association, Inc.
The CFPB Consumer Complaint Database has logged 31 complaints against Specified Credit Association, Inc. overall, with 3 of those filed in the trailing 12 months. Reports have come from consumers in 15 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Communication tactics," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Specified Credit Association, Inc. posts a 80.6% reply rate on forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 25.8% rate.
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.
Frequently Asked Questions
How many CFPB complaints does Specified Credit Association, Inc. have?
The CFPB has logged 31 complaints against Specified Credit Association, Inc. to date, of which 3 came in over the last 12 months.
Does Specified Credit Association, Inc. respond to complaints on time?
Specified Credit Association, Inc. has a 80.6% timely response rate to CFPB complaints.
What product generates the most complaints for Specified Credit Association, Inc.?
The most complained-about product for Specified Credit Association, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Specified Credit Association, Inc.?
"Communication tactics" is the single most frequently cited issue in complaints against Specified Credit Association, Inc. - see all issues and counts above.
How do I file a complaint against Specified Credit Association, Inc.?
You can file a complaint against Specified Credit Association, 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 Specified Credit Association, Inc.?
The CFPB has recorded complaints against Specified Credit Association, Inc. from 15 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Specified Credit Association, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Specified Credit Association, Inc. have?
The CFPB has logged 31 complaints against Specified Credit Association, Inc. to date, of which 3 came in over the last 12 months.
Does Specified Credit Association, Inc. respond to complaints on time?
Specified Credit Association, Inc. has a 80.6% timely response rate to CFPB complaints.
What product generates the most complaints for Specified Credit Association, Inc.?
The most complained-about product for Specified Credit Association, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Specified Credit Association, Inc.?
"Communication tactics" is the single most frequently cited issue in complaints against Specified Credit Association, Inc. - see all issues and counts above.
How do I file a complaint against Specified Credit Association, Inc.?
You can file a complaint against Specified Credit Association, 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 Specified Credit Association, Inc.?
The CFPB has recorded complaints against Specified Credit Association, Inc. from 15 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.