Money transfer, virtual currency
Early Warning Services: 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
- 1,362
- Closed with money back
- 0%
- 2023 to 2025
- 147 to 1,040
Servicemembers filed 4.6% of Early Warning Services's 29,540 complaints in the window, against 2.5% across the directory. The complaints are mostly about money transfer, virtual currency, or money service, and the single most common issue is "Other transaction problem". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 147 in 2023 to 1,040 in 2025.
What the complaints are about
By product
| Money transfer, virtual currency, or money service | 833 |
| Credit reporting or other personal consumer reports | 364 |
| Checking or savings account | 117 |
| Credit reporting, credit repair services, or other personal consumer reports | 41 |
| Debt collection | 5 |
By issue
| Other transaction problem | 547 |
| Incorrect information on your report | 247 |
| Fraud or scam | 124 |
| Opening an account | 86 |
| Confusing or missing disclosures | 69 |
| 2023: 147 | 2024: 175 | 2025: 1,040 |
Which accounts, specifically
| Domestic (US) money transfer | 680 |
| Credit reporting | 333 |
| Mobile or digital wallet | 144 |
| Checking account | 103 |
| Other personal consumer report | 78 |
What went wrong, specifically
| Information belongs to someone else | 183 |
| Reporting company used your report improperly | 62 |
| Their investigation did not fix an error on your report | 48 |
| Account opened without my consent or knowledge | 43 |
| Unable to open an account | 39 |
Busiest month: January 2025, with 655 servicemember complaints. Most were submitted by web.
Most complaints came from GA (201), TX (186), CA (129) , then FL, IL, NY.
How Early Warning Services answered
| Closed with explanation | 1,362 | 100% |
Early Warning Services 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, 2024-09-02. Outcome: Closed with explanation. Complaint 9994541
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Checking or savings account; Managing an account. FL, 2024-09-03. Outcome: Closed with explanation. Complaint 9988590
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Money transfer, virtual currency, or money service; Fraud or scam. HI, 2024-08-30. Outcome: Closed with explanation. Complaint 9962099
If this is your problem at Early Warning Services
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 money transfer, virtual currency peers
- PayPal 1,046 servicemember complaints; 15% with money back
- Block (Cash App) 2,914 servicemember complaints; 0% with money back
- Robinhood Markets 244 servicemember complaints; 0% with money back
- Coinbase 198 servicemember complaints; 19% with money back
- Foris Dax 59 servicemember complaints; 1 with money back
Next in the directory by volume: Bread Financial, Discover, Chime Financial.
Frequently asked questions
How many complaints did servicemembers file against Early Warning Services?
1,362 complaints tagged servicemember were received by the CFPB about Early Warning Services, 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 147 in 2023 to 1,040 in 2025.
What do servicemembers complain about most at Early Warning Services?
Money transfer, virtual currency, or money service accounts for 833 of the 1,362 complaints, and the most common issue is "Other transaction problem" (547). Next: "Incorrect information on your report" (247).
Does Early Warning Services 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 1,362 closed with an explanation only. Early Warning Services 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.