Debt collection
Credit Control: 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
- 150
- Closed with money back
- 0%
- 2023 to 2025
- 21 to 85
Servicemembers filed 7.5% of Credit Control's 2,008 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 21 in 2023 to 85 in 2025.
What the complaints are about
By product
| Debt collection | 123 |
| Credit reporting or other personal consumer reports | 22 |
| Credit card | 2 |
| Checking or savings account | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
By issue
| Attempts to collect debt not owed | 56 |
| Written notification about debt | 26 |
| False statements or representation | 18 |
| Incorrect information on your report | 16 |
| Electronic communications | 10 |
| 2023: 21 | 2024: 44 | 2025: 85 |
Which accounts, specifically
| Credit card debt | 49 |
| Telecommunications debt | 49 |
| I do not know | 27 |
| Credit reporting | 24 |
| Other debt | 13 |
What went wrong, specifically
| Debt is not yours | 43 |
| Didn't receive enough information to verify debt | 20 |
| Attempted to collect wrong amount | 18 |
| Debt was result of identity theft | 16 |
| Debt was paid | 12 |
Busiest month: December 2025, with 13 servicemember complaints. Most were submitted by web.
Most complaints came from TX (28), FL (18), CA (12) , then SC, NV, OH.
How Credit Control answered
| Closed with explanation | 150 | 100% |
Credit Control 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 has responded to the consumer and the CFPB and chooses not to provide a public response" (150). 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. CA, 2024-08-28. Outcome: Closed with explanation. Complaint 9948766
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Debt collection; Attempts to collect debt not owed. UT, 2024-08-27. Outcome: Closed with explanation. Complaint 9934456
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Debt collection; Written notification about debt. CA, 2024-08-22. Outcome: Closed with explanation. Complaint 9891893
If this is your problem at Credit Control
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
- Acima Credit 151 servicemember complaints; 2% with money back
- Source Receivables Management 147 servicemember complaints; 0% with money back
- Zions Debt 141 servicemember complaints; 0% with money back
- Aldous & Associates 163 servicemember complaints; 0% with money back
- Harris & Harris 137 servicemember complaints; 0% with money back
Next in the directory by volume: CashRepublic, Sallie Mae.
Frequently asked questions
How many complaints did servicemembers file against Credit Control?
150 complaints tagged servicemember were received by the CFPB about Credit Control, 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 rose from 21 in 2023 to 85 in 2025.
What do servicemembers complain about most at Credit Control?
Debt collection accounts for 123 of the 150 complaints, and the most common issue is "Attempts to collect debt not owed" (56). Next: "Written notification about debt" (26).
Does Credit Control give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 150 closed with an explanation only. Credit Control 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.