Debt collection
Consumer Adjustment: 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
- 95
- Closed with money back
- 0
- 2023 to 2025
- 37 to 26
Consumer Adjustment received 1,443 complaints from everyone in the window; 95 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 95 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 37 in 2023 to 26 in 2025.
What the complaints are about
By product
| Debt collection | 69 |
| Credit reporting or other personal consumer reports | 18 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
| Mortgage | 1 |
By issue
| Attempts to collect debt not owed | 39 |
| Written notification about debt | 17 |
| Incorrect information on your report | 13 |
| False statements or representation | 8 |
| Improper use of your report | 5 |
| 2023: 37 | 2024: 32 | 2025: 26 |
Which accounts, specifically
| I do not know | 33 |
| Credit reporting | 23 |
| Payday loan debt | 14 |
| Other debt | 13 |
| Credit card debt | 6 |
What went wrong, specifically
| Debt was result of identity theft | 17 |
| Debt is not yours | 15 |
| Didn't receive notice of right to dispute | 11 |
| Attempted to collect wrong amount | 8 |
| Information belongs to someone else | 8 |
Busiest month: March 2023, with 10 servicemember complaints. Most were submitted by web.
Most complaints came from TX (14), FL (10), SC (10) , then CA, GA, VA.
How Consumer Adjustment answered
| Closed with explanation | 95 |
Consumer Adjustment 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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Debt collection; False statements or representation. FL, 2024-08-21. Outcome: Closed with explanation. Complaint 9874792
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Debt collection; Written notification about debt. CA, 2024-08-19. Outcome: Closed with explanation. Complaint 9852118
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. IN, 2024-07-24. Outcome: Closed with explanation. Complaint 9606593
If this is your problem at Consumer Adjustment
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
- Mrs Bpo 95 servicemember complaints; 0 with money back
- Halsted Financial Services 94 servicemember complaints; 0 with money back
- Bull City Financial Solutions 92 servicemember complaints; 0 with money back
- Debt Recovery Solutions 91 servicemember complaints; 0 with money back
- Nra 100 servicemember complaints; 0% with money back
Next in the directory by volume: Vystar Credit Union.
Frequently asked questions
How many complaints did servicemembers file against Consumer Adjustment?
95 complaints tagged servicemember were received by the CFPB about Consumer Adjustment Company Incorporated 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 37 in 2023 to 26 in 2025.
What do servicemembers complain about most at Consumer Adjustment?
Debt collection accounts for 69 of the 95 complaints, and the most common issue is "Attempts to collect debt not owed" (39). Next: "Written notification about debt" (17).
Does Consumer Adjustment give money back when a servicemember complains?
0 of the 95 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 95 closed with an explanation only. Consumer Adjustment 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.