Personal, payday and title loans
Ccf: 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
- 194
- Closed with money back
- 0%
- 2023 to 2025
- 41 to 79
Servicemembers filed 9.9% of Ccf's 1,964 complaints in the window, against 2.5% across the directory. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Charged fees or interest you didn't expect". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 41 in 2023 to 79 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 103 |
| Debt collection | 52 |
| Credit reporting or other personal consumer reports | 16 |
| Vehicle loan or lease | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
By issue
| Charged fees or interest you didn't expect | 34 |
| Struggling to pay your loan | 20 |
| Vehicle was repossessed or sold the vehicle | 18 |
| Problem with the payoff process at the end of the loan | 15 |
| Took or threatened to take negative or legal action | 15 |
| 2023: 41 | 2024: 74 | 2025: 79 |
Which accounts, specifically
| Title loan | 83 |
| Payday loan debt | 37 |
| Payday loan | 29 |
| I do not know | 21 |
| Credit reporting | 20 |
What went wrong, specifically
| Debt is not yours | 9 |
| Threatened to sue you for very old debt | 8 |
| Credit inquiries on your report that you don't recognize | 8 |
| Didn't receive enough information to verify debt | 6 |
| Attempted to collect wrong amount | 6 |
Busiest month: January 2025, with 12 servicemember complaints. Most were submitted by web.
Most complaints came from TX (51), GA (22), TN (18) , then AL, SC, CA.
How Ccf answered
| Closed with explanation | 194 | 100% |
Ccf 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 complaint caused principally by actions of third party outside the control or direction of the company" (9). 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; Received a loan you didn't apply for. TX, 2024-08-28. Outcome: Closed with explanation. Complaint 9950186
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Payday loan, title loan, personal loan, or advance loan; Problem when making payments. TN, 2024-08-19. Outcome: Closed with explanation. Complaint 9843394
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Payday loan, title loan, personal loan, or advance loan; Struggling to pay your loan. TX, 2024-08-17. Outcome: Closed with explanation. Complaint 9832873
If this is your problem at Ccf
"Charged fees or interest you didn't expect" is the kind of dispute the SCRA's 6% cap settles for pre-service debt: 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 personal, payday and title loans peers
- Enova International 209 servicemember complaints; 0% with money back
- Paramount Gr 145 servicemember complaints; 0% with money back
- Lendmark Financial Services 114 servicemember complaints; 0% with money back
- Solar Mosaic 93 servicemember complaints; 0 with money back
- Marlette Funding 82 servicemember complaints; 3 with money back
Next in the directory by volume: Huntington, Bmo Bank, MoneyLion.
Frequently asked questions
How many complaints did servicemembers file against Ccf?
194 complaints tagged servicemember were received by the CFPB about CCF Intermediate Holdings LLC 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 41 in 2023 to 79 in 2025.
What do servicemembers complain about most at Ccf?
Payday loan, title loan, personal loan, or advance loan accounts for 103 of the 194 complaints, and the most common issue is "Charged fees or interest you didn't expect" (34). Next: "Struggling to pay your loan" (20).
Does Ccf give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 194 closed with an explanation only. Ccf 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.