Debt collection
Cedars Business 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
- 36
- Closed with money back
- 0
- 2023 to 2025
- 11 to 12
Cedars Business Services received 501 complaints from everyone in the window; 36 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 36 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 held roughly steady: 11 in 2023 and 12 in 2025.
What the complaints are about
By product
| Debt collection | 27 |
| Credit reporting or other personal consumer reports | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
By issue
| Attempts to collect debt not owed | 19 |
| Improper use of your report | 4 |
| Written notification about debt | 4 |
| Incorrect information on your report | 2 |
| Communication tactics | 1 |
| 2023: 11 | 2024: 13 | 2025: 12 |
Which accounts, specifically
| Other debt | 15 |
| I do not know | 9 |
| Credit reporting | 9 |
| Credit card debt | 1 |
| Auto debt | 1 |
What went wrong, specifically
| Debt is not yours | 10 |
| Debt was paid | 6 |
| Reporting company used your report improperly | 4 |
| Debt was result of identity theft | 3 |
| Didn't receive enough information to verify debt | 2 |
Busiest month: December 2024, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from FL (4), MD (4), VA (4) , then CA, GA, TN.
How Cedars Business Services answered
| Closed with explanation | 36 |
Cedars Business 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" (1). 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. OH, 2024-08-18. Outcome: Closed with explanation. Complaint 9839043
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Debt collection; Attempts to collect debt not owed. VA, 2024-07-11. Outcome: Closed with explanation. Complaint 9486825
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Debt collection; Attempts to collect debt not owed. ID, 2024-06-24. Outcome: Closed with explanation. Complaint 9366575
If this is your problem at Cedars Business 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
- Rausch Sturm LLP 37 servicemember complaints; 0 with money back
- Goal Structured Solutions 35 servicemember complaints; 0 with money back
- Revco Management 35 servicemember complaints; 0 with money back
- Synergetic Communication 35 servicemember complaints; 0 with money back
- Reliant Capital Solutions 38 servicemember complaints; 0 with money back
Next in the directory by volume: Axos Financial, Climb Credit.
Frequently asked questions
How many complaints did servicemembers file against Cedars Business Services?
36 complaints tagged servicemember were received by the CFPB about Cedars Business Services, 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 held roughly steady: 11 in 2023 and 12 in 2025.
What do servicemembers complain about most at Cedars Business Services?
Debt collection accounts for 27 of the 36 complaints, and the most common issue is "Attempts to collect debt not owed" (19). Next: "Improper use of your report" (4).
Does Cedars Business Services give money back when a servicemember complains?
0 of the 36 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 36 closed with an explanation only. Cedars Business 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.