CFPB · Single-product concentration
Specified Credit Association, Inc.
31 CFPB complaints · 96.8% in "Debt collection" · top issue Communication tactics.
Specified Credit Association, Inc.: 96.8% of 31 CFPB complaints sit in "Debt collection". Timely 80.6% · relief 25.8%. Allegations, not findings.
- Single-product concentration
- 0% filings 2013 to 2026
CFPB relief outcome brief
CCDB company specified-credit-association-inc
25.8% relief · 80.6% timely · 31 filings · Debt collection
Same-product relief peers
Nearest relief peer: Municipal Collections Services, Inc. (25.5% relief)
Specified Credit Association, Inc. closes 25.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Specified Credit Association, Inc. scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (52/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
25.8% of complaints closed with relief to the consumer
Timely response
66 / 100 percentile-benchmarked
80.6% of complaints answered inside the CFPB 15-day window
Closed with explanation
52 / 100 percentile-benchmarked
74.2% of complaints closed with an explanation to the consumer
Most of Specified Credit Association, Inc.'s 31 filings include narrative text
48.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Specified Credit Association, Inc. complaint mix by product
- Debt collection 30 96.8% – 27% relief
- Credit reporting 1 3.2% – 0% relief
How Specified Credit Association, Inc.'s 31 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 30 |
| Credit reporting or other personal consumer reports | 1 |
Where Specified Credit Association, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- IL
- 25.8% of this company's filings
Specified Credit Association, Inc. complaints by year
Annual filing volume from the CFPB public database
- 2026
- 2
- 0% vs 2013
Top States
| State | Complaints |
|---|---|
| IL | 8 |
| MO | 6 |
| NJ | 3 |
| CA | 2 |
| KS | 1 |
| FL | 1 |
| NH | 1 |
| SC | 1 |
| TX | 1 |
| CO | 1 |
| VA | 1 |
| GA | 1 |
| PA | 1 |
| TN | 1 |
| CT | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 8 |
| Attempts to collect debt not owed | 6 |
| Cont'd attempts collect debt not owed | 5 |
| Disclosure verification of debt | 3 |
| Threatened to contact someone or share information improperly | 2 |
| Taking/threatening an illegal action | 2 |
| Improper contact or sharing of info | 2 |
| Improper use of your report | 1 |
| False statements or representation | 1 |
| Written notification about debt | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 2 | 100% |
| 2014 | 6 | 66.7% |
| 2015 | 4 | 75% |
| 2016 | 4 | 75% |
| 2017 | 1 | 100% |
| 2018 | 1 | 0% |
| 2019 | 3 | 100% |
| 2020 | 1 | 100% |
| 2022 | 3 | 100% |
| 2023 | 1 | 100% |
| 2024 | 2 | 50% |
| 2025 | 1 | 100% |
| 2026 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Specified Credit Association, Inc. filings cluster in one product
Specified Credit Association, Inc.'s 31 logged complaints stay concentrated: only 15 states show a filing. 48.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-01-26.
Specified Credit Association, Inc. answers 80.6% of complaints inside the CFPB's tracked window and closes 74.2% with a written explanation. 25.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Communication tactics."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Specified Credit Association, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Specified Credit Association, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 31.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 80.6%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Specified Credit Association, Inc. (80.6% timely; 25.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration