Debt collection
The Bureaus: 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
- 32
- Closed with money back
- 0
- 2023 to 2025
- 8 to 15
The Bureaus received 863 complaints from everyone in the window; 32 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 32 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 8 in 2023 to 15 in 2025.
What the complaints are about
By product
| Debt collection | 23 |
| Credit reporting or other personal consumer reports | 8 |
| Credit card | 1 |
By issue
| Attempts to collect debt not owed | 13 |
| Written notification about debt | 5 |
| Incorrect information on your report | 4 |
| False statements or representation | 3 |
| Improper use of your report | 2 |
| 2023: 8 | 2024: 9 | 2025: 15 |
Which accounts, specifically
| Credit card debt | 17 |
| I do not know | 10 |
| Credit reporting | 8 |
| Payday loan debt | 1 |
| General-purpose credit card or charge card | 1 |
What went wrong, specifically
| Didn't receive enough information to verify debt | 6 |
| Debt is not yours | 6 |
| Debt was result of identity theft | 6 |
| Information belongs to someone else | 3 |
| Attempted to collect wrong amount | 3 |
Busiest month: May 2023, with 3 servicemember complaints. Most were submitted by web.
Most complaints came from GA (6), FL (4), MI (3) , then PA, TX, UT.
How The Bureaus answered
| Closed with explanation | 32 |
The Bureaus 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. LA, 2024-07-30. Outcome: Closed with explanation. Complaint 9655536
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Debt collection; Attempts to collect debt not owed. FL, 2024-07-11. Outcome: Closed with explanation. Complaint 9470011
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Debt collection; Written notification about debt. PA, 2024-04-05. Outcome: Closed with explanation. Complaint 8703133
If this is your problem at The Bureaus
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
- 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
- P&b Capital 33 servicemember complaints; 0 with money back
- Afni 31 servicemember complaints; 0 with money back
Next in the directory by volume: Americas Car-Mart, Credit Card Acquisitions.
Frequently asked questions
How many complaints did servicemembers file against The Bureaus?
32 complaints tagged servicemember were received by the CFPB about The Bureaus, 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 8 in 2023 to 15 in 2025.
What do servicemembers complain about most at The Bureaus?
Debt collection accounts for 23 of the 32 complaints, and the most common issue is "Attempts to collect debt not owed" (13). Next: "Written notification about debt" (5).
Does The Bureaus give money back when a servicemember complains?
0 of the 32 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 32 closed with an explanation only. The Bureaus 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.