Debt collection
Afni: 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
- 31
- Closed with money back
- 0
- 2023 to 2025
- 17 to 10
Afni received 453 complaints from everyone in the window; 31 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 31 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 17 in 2023 to 10 in 2025.
What the complaints are about
By product
| Debt collection | 25 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Credit reporting or other personal consumer reports | 2 |
By issue
| Attempts to collect debt not owed | 14 |
| Communication tactics | 4 |
| Took or threatened to take negative or legal action | 4 |
| False statements or representation | 3 |
| Improper use of your report | 3 |
| 2023: 17 | 2024: 4 | 2025: 10 |
Which accounts, specifically
| Other debt | 12 |
| I do not know | 10 |
| Credit reporting | 6 |
| Telecommunications debt | 5 |
| Auto debt | 1 |
What went wrong, specifically
| Debt is not yours | 9 |
| Debt was result of identity theft | 5 |
| Attempted to collect wrong amount | 3 |
| Information belongs to someone else | 2 |
| Reporting company used your report improperly | 2 |
Busiest month: June 2023, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from TX (6), GA (5), AL (3) , then NC, CA, PA.
How Afni answered
| Closed with explanation | 31 |
Afni 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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Debt collection; Attempts to collect debt not owed. KY, 2024-03-18. Outcome: Closed with explanation. Complaint 8592706
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Debt collection; Took or threatened to take negative or legal action. NC, 2024-02-22. Outcome: Closed with explanation. Complaint 8402111
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Debt collection; Attempts to collect debt not owed. GA, 2024-02-01. Outcome: Closed with explanation. Complaint 8257682
If this is your problem at Afni
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 debt collection peers
- Credit Card Acquisitions 31 servicemember complaints; 0 with money back
- United Revenue 31 servicemember complaints; 0 with money back
- Receivables Management Partners 32 servicemember complaints; 0 with money back
- ResidentCollect 32 servicemember complaints; 0 with money back
- SinglePoint Gi 32 servicemember complaints; 0 with money back
Next in the directory by volume: Americas Car-Mart, First Technology Federal Credit Union.
Frequently asked questions
How many complaints did servicemembers file against Afni?
31 complaints tagged servicemember were received by the CFPB about AFNI 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 17 in 2023 to 10 in 2025.
What do servicemembers complain about most at Afni?
Debt collection accounts for 25 of the 31 complaints, and the most common issue is "Attempts to collect debt not owed" (14). Next: "Communication tactics" (4).
Does Afni give money back when a servicemember complains?
0 of the 31 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 31 closed with an explanation only. Afni 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.