Debt collection -- Took or threatened to take negative or legal action -- Complaint #13289311
Credit Damage Threat by Debt Collector
Complaint Overview
Complaint ID: 13289311
Company: Security Credit Services, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Texas
ZIP Code: 77060
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
Threatening to damage a consumer's credit is a serious violation of debt collection laws, as it can cause significant financial harm and distress.
Consumer Sentiment: negative
Topics: Debt collection, Harassment, Credit damage
AI Analysis
CFPB complaint 13289311 was filed against Security Credit Services, LLC regarding Debt collection (I do not know), specifically about "Took or threatened to take negative or legal action". A consumer filed a complaint against Security Credit Services, LLC, alleging the company threatened to damage their credit, which is a form of negative legal action. The complaint was received on April 30, 2025 from Texas. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should be aware that debt collectors cannot legally threaten to damage their credit; if this occurs, they should document the interaction and consider filing a complaint.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including threatening actions they cannot legally take or do not intend to take.
Regulatory Insight
This complaint highlights the importance of regulatory oversight in ensuring debt collectors adhere to fair practices and do not engage in illegal threats.
Resolution Likelihood
likely
State-Specific Consumer Protections
While the complaint originated in Texas, the FDCPA applies nationwide, making this a concern for consumers across the United States.
Industry Comparison
This type of aggressive and potentially illegal debt collection tactic is unfortunately not uncommon, but it is a key area of focus for consumer protection agencies.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13289311 about?
CFPB complaint 13289311 involves Debt collection (I do not know). The consumer reported an issue with "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This complaint was filed against Security Credit Services, LLC on April 30, 2025.
Which company is complaint 13289311 filed against?
Complaint 13289311 was filed against Security Credit Services, LLC. You can view all complaints against this company on their profile page at /company/security-credit-services-llc.
What was the company's response to complaint 13289311?
Security Credit Services, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13289311 filed?
Complaint 13289311 was received by the CFPB on April 30, 2025. It was sent to Security Credit Services, LLC on April 30, 2025.
What state was complaint 13289311 filed from?
Complaint 13289311 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 13289311?
Dispute information is not available for complaint 13289311.
What product category is complaint 13289311 about?
Complaint 13289311 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 13289311 submitted?
Complaint 13289311 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13289311?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including threatening actions they cannot legally take or do not intend to take. This relates to a Debt collection complaint against Security Credit Services, LLC involving "Took or threatened to take negative or legal action".
How likely is complaint 13289311 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13289311?
This complaint is rated as high risk. Threatening to damage a consumer's credit is a serious violation of debt collection laws, as it can cause significant financial harm and distress.
What regulatory actions apply to complaint 13289311?
This complaint highlights the importance of regulatory oversight in ensuring debt collectors adhere to fair practices and do not engage in illegal threats. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 13289311?
Consumers should be aware that debt collectors cannot legally threaten to damage their credit; if this occurs, they should document the interaction and consider filing a complaint.
Are there state-specific protections for complaint 13289311?
While the complaint originated in Texas, the FDCPA applies nationwide, making this a concern for consumers across the United States. This complaint was filed from Texas.
How does complaint 13289311 compare to industry norms?
This type of aggressive and potentially illegal debt collection tactic is unfortunately not uncommon, but it is a key area of focus for consumer protection agencies.
What specific actions can a consumer take if a debt collector threatens to damage their credit?
A consumer can file a complaint with the CFPB and potentially consult with an attorney to explore legal options against the debt collector for violating the FDCPA.
Does threatening to damage credit fall under illegal debt collection practices?
Yes, threatening to take or taking negative or legal action, including damaging credit, is a violation of the Fair Debt Collection Practices Act (FDCPA) if the action is not legal, not intended to be taken, or is otherwise prohibited.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.