Debt collection
Ccs Financial 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
- 694
- Closed with money back
- 0%
- 2023 to 2025
- 166 to 311
Servicemembers filed 4.7% of Ccs Financial Services's 14,740 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 166 in 2023 to 311 in 2025.
What the complaints are about
By product
| Debt collection | 519 |
| Credit reporting or other personal consumer reports | 143 |
| Credit reporting, credit repair services, or other personal consumer reports | 29 |
| Debt or credit management | 2 |
| Vehicle loan or lease | 1 |
By issue
| Attempts to collect debt not owed | 267 |
| Written notification about debt | 103 |
| Incorrect information on your report | 100 |
| False statements or representation | 65 |
| Took or threatened to take negative or legal action | 50 |
| 2023: 166 | 2024: 217 | 2025: 311 |
Which accounts, specifically
| Other debt | 252 |
| I do not know | 185 |
| Credit reporting | 180 |
| Telecommunications debt | 37 |
| Medical debt | 33 |
What went wrong, specifically
| Debt is not yours | 164 |
| Attempted to collect wrong amount | 64 |
| Debt was paid | 63 |
| Didn't receive notice of right to dispute | 61 |
| Debt was result of identity theft | 56 |
Busiest month: May 2025, with 32 servicemember complaints. Most were submitted by web.
Most complaints came from TX (99), FL (90), GA (79) , then CA, NC, AL.
How Ccs Financial Services answered
| Closed with explanation | 580 | 84% |
| Closed with non-monetary relief | 114 | 16% |
Ccs Financial Services responded within the CFPB's 15-day window on 76% 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" (406). 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; Communication tactics. GA, 2024-09-02. Outcome: Closed with non-monetary relief. Complaint 9995152
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Debt collection; Attempts to collect debt not owed. OK, 2024-09-02. Outcome: Closed with explanation. Complaint 9993779
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Debt collection; Attempts to collect debt not owed. SC, 2024-08-31. Outcome: Closed with explanation. Complaint 9975614
If this is your problem at Ccs Financial 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 debt collection peers
- Transworld Systems 721 servicemember complaints; 0% with money back
- National Credit Systems 610 servicemember complaints; 0% with money back
- Kriya Capital 539 servicemember complaints; 0% with money back
- I.c. System 507 servicemember complaints; 0% with money back
- Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis 434 servicemember complaints; 1% with money back
Next in the directory by volume: TD Bank, Barclays Bank Delaware, OneMain Finance.
Frequently asked questions
How many complaints did servicemembers file against Ccs Financial Services?
694 complaints tagged servicemember were received by the CFPB about CCS Financial Services, 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 166 in 2023 to 311 in 2025.
What do servicemembers complain about most at Ccs Financial Services?
Debt collection accounts for 519 of the 694 complaints, and the most common issue is "Attempts to collect debt not owed" (267). Next: "Written notification about debt" (103).
Does Ccs Financial Services give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 114 closed with non-monetary relief and 580 closed with an explanation only. Ccs Financial Services answered 76% 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.