Debt collection
Credit Card Acquisitions: 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
- 31
- Closed with money back
- 0
- 2023 to 2025
- 7 to 12
Credit Card Acquisitions received 143 complaints from everyone in the window; 31 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Took or threatened to take negative or legal action". 0 of the 31 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 rose from 7 in 2023 to 12 in 2025.
What the complaints are about
By product
| Debt collection | 21 |
| Credit reporting or other personal consumer reports | 9 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
By issue
| Took or threatened to take negative or legal action | 8 |
| Incorrect information on your report | 7 |
| Attempts to collect debt not owed | 6 |
| Written notification about debt | 4 |
| False statements or representation | 2 |
| 2023: 7 | 2024: 12 | 2025: 12 |
Which accounts, specifically
| I do not know | 10 |
| Credit reporting | 10 |
| Other debt | 9 |
| Credit card debt | 1 |
| Payday loan debt | 1 |
What went wrong, specifically
| Threatened to sue you for very old debt | 5 |
| Didn't receive notice of right to dispute | 4 |
| Old information reappears or never goes away | 3 |
| Debt is not yours | 2 |
| Information belongs to someone else | 2 |
Busiest month: July 2024, with 3 servicemember complaints. Most were submitted by web.
Most complaints came from TX (7), FL (4), AR (3) , then NJ, NY, OK.
How Credit Card Acquisitions answered
| Closed with explanation | 16 |
| Untimely response | 15 |
Credit Card Acquisitions responded within the CFPB's 15-day window on 19% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company can't verify or dispute the facts in the complaint" (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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Debt collection; Attempts to collect debt not owed. TX, 2024-08-20. Outcome: Closed with explanation. Complaint 9847208
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Debt collection; Took or threatened to take negative or legal action. TX, 2024-07-22. Outcome: Closed with explanation. Complaint 9577622
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Credit reporting or other personal consumer reports; Improper use of your report. LA, 2024-07-20. Outcome: Closed with explanation. Complaint 9565788
If this is your problem at Credit Card Acquisitions
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
- Afni 31 servicemember complaints; 0 with money back
- United Revenue 31 servicemember complaints; 0 with money back
- Receivables Management Partners 32 servicemember complaints; 0 with money back
- ResidentCollect 32 servicemember complaints; 0 with money back
- SinglePoint Gi 32 servicemember complaints; 0 with money back
Next in the directory by volume: First Technology Federal Credit Union, Mercury Financial.
Frequently asked questions
How many complaints did servicemembers file against Credit Card Acquisitions?
31 complaints tagged servicemember were received by the CFPB about Credit Card Acquisitions Group 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 7 in 2023 to 12 in 2025.
What do servicemembers complain about most at Credit Card Acquisitions?
Debt collection accounts for 21 of the 31 complaints, and the most common issue is "Took or threatened to take negative or legal action" (8). Next: "Incorrect information on your report" (7).
Does Credit Card Acquisitions give money back when a servicemember complains?
0 of the 31 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 16 closed with an explanation only. Credit Card Acquisitions answered 19% 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.