Credit reporting
Conn's: 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
- 73
- Closed with money back
- 0
- 2023 to 2025
- 32 to 0
Conn's received 706 complaints from everyone in the window; 73 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0 of the 73 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 32 in 2023 to 0 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 25 |
| Debt collection | 24 |
| Credit reporting, credit repair services, or other personal consumer reports | 10 |
| Credit card | 6 |
| Payday loan, title loan, or personal loan | 3 |
By issue
| Incorrect information on your report | 19 |
| Attempts to collect debt not owed | 8 |
| Communication tactics | 8 |
| Improper use of your report | 8 |
| Problem with a company's investigation into an existing problem | 7 |
| 2023: 32 | 2024: 41 | 2025: 0 |
Which accounts, specifically
| Credit reporting | 36 |
| Other debt | 19 |
| I do not know | 10 |
| Installment loan | 7 |
| Store credit card | 7 |
What went wrong, specifically
| Reporting company used your report improperly | 7 |
| Frequent or repeated calls | 7 |
| Their investigation did not fix an error on your report | 7 |
| Account information incorrect | 6 |
| Information belongs to someone else | 5 |
Busiest month: August 2024, with 7 servicemember complaints. Most were submitted by web.
Most complaints came from TX (18), FL (7), NC (7) , then LA, AL, VA.
How Conn's answered
| Closed with explanation | 73 |
Conn's 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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Credit reporting or other personal consumer reports; Incorrect information on your report. NC, 2024-08-20. Outcome: Closed with explanation. Complaint 9863512
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. TX, 2024-08-21. Outcome: Closed with explanation. Complaint 9859119
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Credit reporting or other personal consumer reports; Improper use of your report. FL, 2024-08-14. Outcome: Closed with explanation. Complaint 9803215
If this is your problem at Conn's
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 credit reporting peers
- MicroBilt / Prbc (formerly Cl Verify) 74 servicemember complaints; 0 with money back
- Regional Management 74 servicemember complaints; 0 with money back
- Possible Financial 78 servicemember complaints; 0 with money back
- Advanced Resolution Services 68 servicemember complaints; 0 with money back
- BMW Financial Services NA 80 servicemember complaints; 0 with money back
Next in the directory by volume: Convergent Resources, Professional Debt Mediation, Specialized Loan Servicing.
Frequently asked questions
How many complaints did servicemembers file against Conn's?
73 complaints tagged servicemember were received by the CFPB about Conn's, 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 32 in 2023 to 0 in 2025.
What do servicemembers complain about most at Conn's?
Credit reporting or other personal consumer reports accounts for 25 of the 73 complaints, and the most common issue is "Incorrect information on your report" (19). Next: "Attempts to collect debt not owed" (8).
Does Conn's give money back when a servicemember complains?
0 of the 73 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 73 closed with an explanation only. Conn's 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.