Credit reporting
Advanced Resolution Services: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 68
- Closed with money back
- 0
- 2023 to 2025
- 27 to 20
Advanced Resolution Services received 2,057 complaints from everyone in the window; 68 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0 of the 68 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count fell from 27 in 2023 to 20 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 41 |
| Credit reporting, credit repair services, or other personal consumer reports | 26 |
| Debt collection | 1 |
By issue
| Incorrect information on your report | 34 |
| Improper use of your report | 21 |
| Problem with a company's investigation into an existing problem | 4 |
| Problem with fraud alerts or security freezes | 4 |
| Unable to get your credit report or credit score | 2 |
| 2023: 27 | 2024: 21 | 2025: 20 |
Which accounts, specifically
| Credit reporting | 66 |
| Other personal consumer report | 5 |
| I do not know | 1 |
What went wrong, specifically
| Reporting company used your report improperly | 18 |
| Information belongs to someone else | 14 |
| Personal information incorrect | 8 |
| Public record information inaccurate | 8 |
| Their investigation did not fix an error on your report | 6 |
Busiest month: July 2023, with 7 servicemember complaints. Most were submitted by web.
Most complaints came from TX (21), GA (7), FL (6) , then NC, PA, CA.
How Advanced Resolution Services answered
| Closed with explanation | 68 |
Advanced Resolution Services responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Incorrect information on your report. TX, 2024-07-22. Outcome: Closed with explanation. Complaint 9580052
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Credit reporting or other personal consumer reports; Incorrect information on your report. IL, 2024-07-09. Outcome: Closed with explanation. Complaint 9461617
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Credit reporting or other personal consumer reports; Improper use of your report. TX, 2024-07-06. Outcome: Closed with explanation. Complaint 9446078
If this is your problem at Advanced Resolution Services
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Prosper Marketplace 66 servicemember complaints; 1 with money back
- Egl US 64 servicemember complaints; 0 with money back
- FactorTrust 64 servicemember complaints; 0 with money back
- Conn's 73 servicemember complaints; 0 with money back
- Security Finance 63 servicemember complaints; 0 with money back
Next in the directory by volume: Stellantis Financial Services US, Cmg Financial Services.
Frequently asked questions
How many complaints did servicemembers file against Advanced Resolution Services?
68 complaints tagged servicemember were received by the CFPB about Advanced Resolution Services Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count fell from 27 in 2023 to 20 in 2025.
What do servicemembers complain about most at Advanced Resolution Services?
Credit reporting or other personal consumer reports accounts for 41 of the 68 complaints, and the most common issue is "Incorrect information on your report" (34). Next: "Improper use of your report" (21).
Does Advanced Resolution Services give money back when a servicemember complains?
0 of the 68 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 68 closed with an explanation only. Advanced Resolution Services answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.