Debt collection
Fair Collections & Outsourcing: 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
- 184
- Closed with money back
- 0%
- 2023 to 2025
- 41 to 98
Servicemembers filed 5.9% of Fair Collections & Outsourcing's 3,116 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 41 in 2023 to 98 in 2025.
What the complaints are about
By product
| Debt collection | 142 |
| Credit reporting or other personal consumer reports | 35 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Debt or credit management | 1 |
By issue
| Attempts to collect debt not owed | 67 |
| False statements or representation | 33 |
| Incorrect information on your report | 26 |
| Written notification about debt | 22 |
| Improper use of your report | 11 |
| 2023: 41 | 2024: 45 | 2025: 98 |
Which accounts, specifically
| Rental debt | 101 |
| Credit reporting | 41 |
| I do not know | 30 |
| Other debt | 17 |
| Other personal consumer report | 1 |
What went wrong, specifically
| Debt is not yours | 43 |
| Attempted to collect wrong amount | 33 |
| Debt was result of identity theft | 18 |
| Didn't receive enough information to verify debt | 13 |
| Reporting company used your report improperly | 12 |
Busiest month: July 2025, with 13 servicemember complaints. Most were submitted by web.
Most complaints came from FL (22), TX (19), NC (18) , then VA, CA, MD.
How Fair Collections & Outsourcing answered
| Closed with explanation | 184 | 100% |
Fair Collections & Outsourcing responded within the CFPB's 15-day window on 97% 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" (173). 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. GA, 2024-08-25. Outcome: Closed with explanation. Complaint 9950439
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Debt collection; Attempts to collect debt not owed. TX, 2024-08-28. Outcome: Closed with explanation. Complaint 9948383
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Debt collection; False statements or representation. VA, 2024-08-07. Outcome: Closed with explanation. Complaint 9736856
If this is your problem at Fair Collections & Outsourcing
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
- Amsher Collection Services 181 servicemember complaints; 0% with money back
- TrueAccord 176 servicemember complaints; 0% with money back
- Ncb Management Services 199 servicemember complaints; 0% with money back
- Velocity Portfolio 168 servicemember complaints; 0% with money back
- Aldous & Associates 163 servicemember complaints; 0% with money back
Next in the directory by volume: Continental Finance, New York Community Bancorp.
Frequently asked questions
How many complaints did servicemembers file against Fair Collections & Outsourcing?
184 complaints tagged servicemember were received by the CFPB about FAIR COLLECTIONS & OUTSOURCING, INC. 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 41 in 2023 to 98 in 2025.
What do servicemembers complain about most at Fair Collections & Outsourcing?
Debt collection accounts for 142 of the 184 complaints, and the most common issue is "Attempts to collect debt not owed" (67). Next: "False statements or representation" (33).
Does Fair Collections & Outsourcing 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 184 closed with an explanation only. Fair Collections & Outsourcing answered 97% 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.