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Business Profile

Collection Systems

Security Credit Services

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collection Systems.

Complaints

Customer Complaints Summary

  • 228 total complaints in the last 3 years.
  • 75 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:11/11/2025

    Type:Service or Repair Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    The creditor failed to comply with reinvestigation time limits following my prior dispute.

  • Initial Complaint

    Date:11/09/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Collection (Equifax)SECCREDIT ***** Reported 11/01/2023 $860.00 I am filing this complaint regarding an inaccurate collection account reported by ************************* on my Equifax credit report, showing a balance of $860.00 as of November 1, 2023. This account has caused undue stress and negatively affected my credit standing, despite my efforts to dispute it. SECCREDIT has not provided any original documentation, such as a signed agreement or account statements, to validate the legitimacy of this alleged debt.Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act (FCRA), furnishers are legally required to report only accurate, complete, and verifiable information. When a consumer disputes an account, the furnisher must conduct a meaningful reinvestigation and remove or correct any unverifiable information. By continuing to report this collection without proper verification, SECCREDIT is violating my rights under federal law.I am requesting the immediate deletion of this collection from my Equifax credit report unless SECCREDIT can provide verifiable proof of its accuracy. Should this issue remain unresolved, I will escalate it to the **** and *** and pursue all legal remedies available under the **** to protect my consumer rights and hold the furnisher accountable for continued inaccurate reporting.

  • Initial Complaint

    Date:10/31/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    The account was reported after the statute of limitations expired.

  • Initial Complaint

    Date:10/28/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    The collector falsely claimed that failure to pay would result in jail time.

  • Initial Complaint

    Date:10/25/2025

    Type:Service or Repair Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    For this debt of ****** with SMARTPAY ***********, I am not responsible for and have no know of this nor do I have a contract with SECURITY CREDIT SERVICES. They did not provide me with any contract or proof that I asked for

  • Initial Complaint

    Date:10/25/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I'm reaching out because I'm having an issue with a debt that was reported to my credit by WORLD ACCEPTANCE and now it's in the hands ofSECURITYCRED . I want to make it clear that I do not owe this debt, and I have no contract with SECURITYCRED .Ive asked them several times to send me the original contract, but they havent provided any documentation to prove that I owe anything. This is concerning, as I should have been given the opportunity to review any original agreements they claim I signed, but theyve never sent anything over.Heres the account in question:Account Number: *******High **********************: 336 Opened Date:4/13/2023 I dont know where this debt came from, and Im not sure why its showing up on my credit report. Since I dont have any proof that Im responsible for this, I would like it removed from my credit report and for no further action to be taken against **** hope you can look into this and help me get it cleared up quickly. If you need anything from me to assist in resolving this, feel free to reach out.Thanks for yourtimeandhelp.

  • Initial Complaint

    Date:10/25/2025

    Type:Order Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I do not owe this debt with smart pay ***********. There is no contract with security credit services. To this day I have yet to see one even though I have requested one.

  • Initial Complaint

    Date:10/23/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    The agency has failed to provide evidence supporting this debt, yet it continues to harm my credit. Reporting without proof is unfair.

  • Initial Complaint

    Date:10/18/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This account was reported with incorrect details that misrepresent the debt. These inaccuracies should not be allowed to harm my credit history.

  • Initial Complaint

    Date:10/13/2025

    Type:Service or Repair Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Im not responsible for this old debt. Its originally over 7 years old.

Security Credit Services is NOT a BBB Accredited Business.

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