Debt collection
Erc: 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
- 57
- Closed with money back
- 0
- 2023 to 2025
- 57 to 0
Erc received 811 complaints from everyone in the window; 57 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 57 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 57 in 2023 to 0 in 2025.
What the complaints are about
By product
| Debt collection | 49 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
By issue
| Attempts to collect debt not owed | 36 |
| Written notification about debt | 6 |
| Incorrect information on your report | 5 |
| Communication tactics | 3 |
| Improper use of your report | 3 |
| 2023: 57 | 2024: 0 | 2025: 0 |
Which accounts, specifically
| Other debt | 33 |
| I do not know | 15 |
| Telecommunications debt | 10 |
| Credit reporting | 9 |
| Credit card debt | 5 |
What went wrong, specifically
| Debt is not yours | 22 |
| Debt was result of identity theft | 16 |
| Frequent or repeated calls | 5 |
| Debt was paid | 4 |
| Information belongs to someone else | 4 |
Busiest month: May 2023, with 11 servicemember complaints. Most were submitted by web.
Most complaints came from FL (7), GA (6), TX (6) , then AL, MD, NV.
How Erc answered
| Closed with explanation | 57 |
Erc 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; Communication tactics. FL, 2023-11-29. Outcome: Closed with explanation. Complaint 7915748
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Debt collection; Written notification about debt. NJ, 2023-11-01. Outcome: Closed with explanation. Complaint 7785392
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Debt collection; Attempts to collect debt not owed. MS, 2023-10-29. Outcome: Closed with explanation. Complaint 7784312
If this is your problem at Erc
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
- AmeriCollect 56 servicemember complaints; 0 with money back
- Aargon Agency 59 servicemember complaints; 0 with money back
- Bounce Ai 59 servicemember complaints; 0 with money back
- Cng Financial 55 servicemember complaints; 0 with money back
- Colony Brands 60 servicemember complaints; 0 with money back
Next in the directory by volume: Freedom Financial Network, Aqua Finance.
Frequently asked questions
How many complaints did servicemembers file against Erc?
57 complaints tagged servicemember were received by the CFPB about ERC 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 57 in 2023 to 0 in 2025.
What do servicemembers complain about most at Erc?
Debt collection accounts for 49 of the 57 complaints, and the most common issue is "Attempts to collect debt not owed" (36). Next: "Written notification about debt" (6).
Does Erc give money back when a servicemember complains?
0 of the 57 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 57 closed with an explanation only. Erc 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.