Debt collection -- Attempts to collect debt not owed -- Complaint #18651527
Complaint Overview
Complaint ID: 18651527
Company: Security Credit Services, LLC
Product: Debt collection
Sub-Product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: South Carolina
ZIP Code: 29464
Date Received: 2025-11-17T12:00:00-05:00
Date Sent to Company: 2026-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CEASE AND DESIST LETTER Pursuant to 15 U.S.C. 1692c ( c ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> SECURITY CREDIT SERVIC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Re : Cease and Desist Notice Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) Account/Reference Number : XXXX To Whom It May Concern : I am writing to notify you that, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me immediately regarding the above-referenced alleged debt. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease further communication, the debt collector must stop all contact, except for the following limited circumstances allowed by law : 1. To advise that further efforts to collect the debt are being terminated ; 2. To notify me that you may invoke specified remedies that are ordinarily invoked by debt collectors ; or 3. To notify me that you intend to invoke a specified remedy. Other than these narrow exceptions, you are prohibited from contacting me by phone, mail, email, text message, or any other form of communication. This letter is not an admission of the validity of the alleged debt. I also reserve all rights under federal and state law, including the right to dispute the debt and the right to bring legal action for any violations of the FDCPA or other applicable statutes. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18651527 about?
Complaint #18651527 was filed against Security Credit Services, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-17T12:00:00-05:00.
How did Security Credit Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Security Credit Services, LLC?
Yes, visit the Security Credit Services, LLC company profile at readthecomplaint.com/company/security-credit-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.