Credit cards
Atlanticus 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
- 311
- Closed with money back
- 26%
- 2023 to 2025
- 92 to 116
Servicemembers filed 10.9% of Atlanticus Services's 2,860 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit card, and the single most common issue is "Incorrect information on your report". 26% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 92 in 2023 to 116 in 2025.
What the complaints are about
By product
| Credit card | 122 |
| Credit reporting or other personal consumer reports | 90 |
| Debt collection | 44 |
| Credit card or prepaid card | 25 |
| Credit reporting, credit repair services, or other personal consumer reports | 24 |
By issue
| Incorrect information on your report | 73 |
| Improper use of your report | 36 |
| Fees or interest | 34 |
| Attempts to collect debt not owed | 28 |
| Getting a credit card | 25 |
| 2023: 92 | 2024: 103 | 2025: 116 |
Which accounts, specifically
| General-purpose credit card or charge card | 152 |
| Credit reporting | 118 |
| Store credit card | 32 |
| Credit card debt | 31 |
| I do not know | 10 |
What went wrong, specifically
| Problem with fees | 36 |
| Account status incorrect | 32 |
| Reporting company used your report improperly | 30 |
| Problem during payment process | 21 |
| Information belongs to someone else | 21 |
Busiest month: September 2024, with 18 servicemember complaints. Most were submitted by web.
Most complaints came from TX (41), FL (35), GA (31) , then CA, NC, NY.
How Atlanticus Services answered
| Closed with explanation | 170 | 55% |
| Closed with monetary relief | 80 | 26% |
| Closed with non-monetary relief | 61 | 20% |
Atlanticus Services responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (310). 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; Problem with a company's investigation into an existing problem. CA, 2024-08-28. Outcome: Closed with explanation. Complaint 9945392
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Credit card; Fees or interest. MO, 2024-08-21. Outcome: Closed with monetary relief. Complaint 9874873
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Credit card; Getting a credit card. FL, 2024-08-15. Outcome: Closed with explanation. Complaint 9794939
If this is your problem at Atlanticus 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 cards peers
- Synovus Bank 252 servicemember complaints; 6% with money back
- Clgf Holdco 1 510 servicemember complaints; 6% with money back
- Continental Finance 183 servicemember complaints; 0% with money back
- Avant 168 servicemember complaints; 1% with money back
- Barclays Bank Delaware 677 servicemember complaints; 7% with money back
Next in the directory by volume: Caine & Weiner, GM Financial, Hyundai Capital America.
Frequently asked questions
How many complaints did servicemembers file against Atlanticus Services?
311 complaints tagged servicemember were received by the CFPB about Atlanticus Services Corporation 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 92 in 2023 to 116 in 2025.
What do servicemembers complain about most at Atlanticus Services?
Credit card accounts for 122 of the 311 complaints, and the most common issue is "Incorrect information on your report" (73). Next: "Improper use of your report" (36).
Does Atlanticus Services give money back when a servicemember complains?
26% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 61 closed with non-monetary relief and 170 closed with an explanation only. Atlanticus 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.