Debt collection
The Cmi: 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
- 82
- Closed with money back
- 0
- 2023 to 2025
- 54 to 0
The Cmi received 911 complaints from everyone in the window; 82 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 82 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 fell from 54 in 2023 to 0 in 2025.
What the complaints are about
By product
| Debt collection | 67 |
| Credit reporting, credit repair services, or other personal consumer reports | 11 |
| Credit reporting or other personal consumer reports | 3 |
| Debt or credit management | 1 |
By issue
| Attempts to collect debt not owed | 32 |
| Written notification about debt | 21 |
| False statements or representation | 7 |
| Incorrect information on your report | 7 |
| Communication tactics | 5 |
| 2023: 54 | 2024: 28 | 2025: 0 |
Which accounts, specifically
| Telecommunications debt | 25 |
| Other debt | 22 |
| I do not know | 18 |
| Credit reporting | 15 |
| Medical debt | 3 |
What went wrong, specifically
| Debt is not yours | 23 |
| Didn't receive notice of right to dispute | 10 |
| Didn't receive enough information to verify debt | 10 |
| Debt was result of identity theft | 7 |
| Attempted to collect wrong amount | 6 |
Busiest month: August 2023, with 10 servicemember complaints. Most were submitted by web.
Most complaints came from TX (19), FL (9), GA (5) , then VA, AZ, CA.
How The Cmi answered
| Closed with non-monetary relief | 62 |
| Closed with explanation | 20 |
The Cmi 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" (78). 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; Written notification about debt. TX, 2024-08-21. Outcome: Closed with explanation. Complaint 9881757
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Debt collection; Written notification about debt. AL, 2024-08-09. Outcome: Closed with explanation. Complaint 9758071
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Debt collection; Attempts to collect debt not owed. TX, 2024-08-06. Outcome: Closed with non-monetary relief. Complaint 9729901
If this is your problem at The Cmi
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
- Online Information Services 83 servicemember complaints; 0 with money back
- Monterey Financial Services 81 servicemember complaints; 0 with money back
- Lockhart, Morris & Montgomery 80 servicemember complaints; 0 with money back
- Kimball, Tirey & St. John LLP 79 servicemember complaints; 0 with money back
- Rent Recovery Solutions 86 servicemember complaints; 0 with money back
Next in the directory by volume: BMW Financial Services NA, Klarna Ab.
Frequently asked questions
How many complaints did servicemembers file against The Cmi?
82 complaints tagged servicemember were received by the CFPB about The CMI Group, 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 fell from 54 in 2023 to 0 in 2025.
What do servicemembers complain about most at The Cmi?
Debt collection accounts for 67 of the 82 complaints, and the most common issue is "Attempts to collect debt not owed" (32). Next: "Written notification about debt" (21).
Does The Cmi give money back when a servicemember complains?
0 of the 82 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. 62 closed with non-monetary relief and 20 closed with an explanation only. The Cmi 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.