Credit reporting
Aqua Finance: 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
- 56
- Closed with money back
- 6
- 2023 to 2025
- 10 to 27
Aqua Finance received 471 complaints from everyone in the window; 56 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". 6 of the 56 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 rose from 10 in 2023 to 27 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 16 |
| Debt collection | 11 |
| Payday loan, title loan, personal loan, or advance loan | 9 |
| Vehicle loan or lease | 8 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
By issue
| Incorrect information on your report | 10 |
| Charged fees or interest you didn't expect | 8 |
| Improper use of your report | 7 |
| Problem with a company's investigation into an existing problem | 6 |
| Managing the loan or lease | 4 |
| 2023: 10 | 2024: 19 | 2025: 27 |
Which accounts, specifically
| Credit reporting | 24 |
| Installment loan | 14 |
| Loan | 9 |
| Other debt | 7 |
| I do not know | 6 |
What went wrong, specifically
| Reporting company used your report improperly | 5 |
| Account information incorrect | 5 |
| Account status incorrect | 5 |
| Billing problem | 4 |
| Their investigation did not fix an error on your report | 4 |
Busiest month: December 2024, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from TX (19), CA (5), FL (4) , then GA, NC, AK.
How Aqua Finance answered
| Closed with explanation | 48 |
| Closed with monetary relief | 6 |
| Closed with non-monetary relief | 2 |
Aqua Finance 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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Payday loan, title loan, personal loan, or advance loan; Charged fees or interest you didn't expect. AZ, 2024-08-26. Outcome: Closed with explanation. Complaint 9917884
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Payday loan, title loan, personal loan, or advance loan; Charged fees or interest you didn't expect. VA, 2024-08-02. Outcome: Closed with explanation. Complaint 9691435
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Payday loan, title loan, personal loan, or advance loan; Getting the loan. OH, 2024-07-05. Outcome: Closed with explanation. Complaint 9438089
If this is your problem at Aqua Finance
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
- Alliant Credit Union 58 servicemember complaints; 2 with money back
- Sezzle 54 servicemember complaints; 2 with money back
- Checkr 53 servicemember complaints; 0 with money back
- First Advantage 53 servicemember complaints; 0 with money back
- Oportun Financial 62 servicemember complaints; 0 with money back
Next in the directory by volume: LendingPoint, Cng Financial, World Omni Financial.
Frequently asked questions
How many complaints did servicemembers file against Aqua Finance?
56 complaints tagged servicemember were received by the CFPB about Aqua Finance, 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 rose from 10 in 2023 to 27 in 2025.
What do servicemembers complain about most at Aqua Finance?
Credit reporting or other personal consumer reports accounts for 16 of the 56 complaints, and the most common issue is "Incorrect information on your report" (10). Next: "Charged fees or interest you didn't expect" (8).
Does Aqua Finance give money back when a servicemember complains?
6 of the 56 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. 2 closed with non-monetary relief and 48 closed with an explanation only. Aqua Finance 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.