Debt collection
Bth Management: 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
- 62
- Closed with money back
- 0
- 2023 to 2025
- 15 to 35
Bth Management received 1,068 complaints from everyone in the window; 62 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 62 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 15 in 2023 to 35 in 2025.
What the complaints are about
By product
| Debt collection | 39 |
| Credit reporting or other personal consumer reports | 17 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Debt or credit management | 1 |
| Payday loan, title loan, or personal loan | 1 |
By issue
| Attempts to collect debt not owed | 17 |
| Incorrect information on your report | 10 |
| Written notification about debt | 10 |
| Improper use of your report | 9 |
| False statements or representation | 6 |
| 2023: 15 | 2024: 12 | 2025: 35 |
Which accounts, specifically
| Credit reporting | 22 |
| I do not know | 21 |
| Payday loan debt | 11 |
| Credit card debt | 3 |
| Medical debt | 2 |
What went wrong, specifically
| Debt is not yours | 9 |
| Reporting company used your report improperly | 9 |
| Attempted to collect wrong amount | 7 |
| Didn't receive notice of right to dispute | 6 |
| Information belongs to someone else | 5 |
Busiest month: January 2025, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from SC (8), FL (7), GA (7) , then TX, LA, OH.
How Bth Management answered
| Closed with explanation | 62 |
Bth Management 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; Electronic communications. LA, 2024-07-19. Outcome: Closed with explanation. Complaint 9549306
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Debt collection; Written notification about debt. AL, 2024-05-13. Outcome: Closed with explanation. Complaint 8996010
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Debt collection; Attempts to collect debt not owed. TX, 2024-05-10. Outcome: Closed with explanation. Complaint 8981418
If this is your problem at Bth Management
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
- Continental Services Group, Inc. d/b/a ConServe 62 servicemember complaints; 0 with money back
- Unifin 64 servicemember complaints; 0 with money back
- Colony Brands 60 servicemember complaints; 0 with money back
- Credit Systems International 60 servicemember complaints; 0 with money back
- Harley Davidson Financial Services 65 servicemember complaints; 1 with money back
Next in the directory by volume: Credit Fresh, Oportun Financial.
Frequently asked questions
How many complaints did servicemembers file against Bth Management?
62 complaints tagged servicemember were received by the CFPB about BTH Management 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 15 in 2023 to 35 in 2025.
What do servicemembers complain about most at Bth Management?
Debt collection accounts for 39 of the 62 complaints, and the most common issue is "Attempts to collect debt not owed" (17). Next: "Incorrect information on your report" (10).
Does Bth Management give money back when a servicemember complains?
0 of the 62 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 62 closed with an explanation only. Bth Management 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.