Checking and savings
Dave Operating: 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
- 37
- Closed with money back
- 0
- 2023 to 2025
- 11 to 19
Dave Operating received 449 complaints from everyone in the window; 37 carried the servicemember tag. The complaints are mostly about checking or savings account, and the single most common issue is "Managing an account". 0 of the 37 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 11 in 2023 to 19 in 2025.
What the complaints are about
By product
| Checking or savings account | 18 |
| Payday loan, title loan, personal loan, or advance loan | 11 |
| Money transfer, virtual currency, or money service | 4 |
| Credit card | 1 |
| Debt or credit management | 1 |
By issue
| Managing an account | 10 |
| Problem with a lender or other company charging your account | 5 |
| Can't stop withdrawals from your bank account | 4 |
| Closing an account | 3 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 3 |
| 2023: 11 | 2024: 7 | 2025: 19 |
Which accounts, specifically
| Checking account | 16 |
| Payday loan | 9 |
| Other banking product or service | 2 |
| Other advances of future income | 2 |
| Mobile or digital wallet | 2 |
What went wrong, specifically
| Transaction was not authorized | 5 |
| Deposits and withdrawals | 3 |
| Funds not handled or disbursed as instructed | 2 |
| Funds not received from closed account | 2 |
| Problem making or receiving payments | 1 |
Busiest month: November 2023, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from TX (6), OH (4), FL (3) , then AZ, CA, IL.
How Dave Operating answered
| Closed with explanation | 37 |
Dave Operating 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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Checking or savings account; Closing an account. TX, 2024-07-03. Outcome: Closed with explanation. Complaint 9419854
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Credit card; Closing your account. MD, 2024-02-27. Outcome: Closed with explanation. Complaint 8432122
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Checking or savings account; Problem with a lender or other company charging your account. TX, 2023-11-29. Outcome: Closed with explanation. Complaint 7914611
If this is your problem at Dave Operating
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 checking and savings peers
- Albert 37 servicemember complaints; 0 with money back
- Mountain America Federal Credit Union 38 servicemember complaints; 3 with money back
- Randolph-brooks Federal Credit Union 38 servicemember complaints; 0 with money back
- Charles Schwab Corporation, The 39 servicemember complaints; 0 with money back
- Axos Financial 35 servicemember complaints; 0 with money back
Next in the directory by volume: Driveway Finance, Rausch Sturm LLP, Tower Loan of Mississippi.
Frequently asked questions
How many complaints did servicemembers file against Dave Operating?
37 complaints tagged servicemember were received by the CFPB about Dave Operating, 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 11 in 2023 to 19 in 2025.
What do servicemembers complain about most at Dave Operating?
Checking or savings account accounts for 18 of the 37 complaints, and the most common issue is "Managing an account" (10). Next: "Problem with a lender or other company charging your account" (5).
Does Dave Operating give money back when a servicemember complains?
0 of the 37 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 37 closed with an explanation only. Dave Operating 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.