Credit reporting
Fc HoldCo: 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
- 174
- Closed with money back
- 0%
- 2023 to 2025
- 43 to 73
Servicemembers filed 8.3% of Fc HoldCo's 2,090 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Improper use of your report". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 43 in 2023 to 73 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 75 |
| Vehicle loan or lease | 71 |
| Credit reporting, credit repair services, or other personal consumer reports | 14 |
| Debt collection | 14 |
By issue
| Improper use of your report | 49 |
| Incorrect information on your report | 36 |
| Managing the loan or lease | 25 |
| Problem with a company's investigation into an existing problem | 18 |
| Repossession | 13 |
| 2023: 43 | 2024: 58 | 2025: 73 |
Which accounts, specifically
| Credit reporting | 87 |
| Loan | 72 |
| Auto debt | 9 |
| I do not know | 5 |
| Lease | 4 |
What went wrong, specifically
| Credit inquiries on your report that you don't recognize | 32 |
| Account information incorrect | 17 |
| Reporting company used your report improperly | 16 |
| Billing problem | 12 |
| Loan balance remaining after the vehicle is repossessed and sold | 11 |
Busiest month: January 2025, with 14 servicemember complaints. Most were submitted by web.
Most complaints came from TX (31), FL (20), IL (13) , then NC, CA, LA.
How Fc HoldCo answered
| Closed with explanation | 174 | 100% |
Fc HoldCo 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" (171). 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; Improper use of your report. AL, 2024-08-29. Outcome: Closed with explanation. Complaint 9947449
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Credit reporting or other personal consumer reports; Incorrect information on your report. IL, 2024-08-22. Outcome: Closed with explanation. Complaint 9883879
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Credit reporting or other personal consumer reports; Improper use of your report. IL, 2024-08-21. Outcome: Closed with explanation. Complaint 9878548
If this is your problem at Fc HoldCo
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 credit reporting peers
- Upstart 166 servicemember complaints; 0% with money back
- Global Lending Services 188 servicemember complaints; 0% with money back
- MoneyLion 189 servicemember complaints; 6% with money back
- Id Analytics 201 servicemember complaints; 0% with money back
- CashRepublic 149 servicemember complaints; 1% with money back
Next in the directory by volume: CarMax, Comerica, American Credit Acceptance.
Frequently asked questions
How many complaints did servicemembers file against Fc HoldCo?
174 complaints tagged servicemember were received by the CFPB about FC HoldCo 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 43 in 2023 to 73 in 2025.
What do servicemembers complain about most at Fc HoldCo?
Credit reporting or other personal consumer reports accounts for 75 of the 174 complaints, and the most common issue is "Improper use of your report" (49). Next: "Incorrect information on your report" (36).
Does Fc HoldCo 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 174 closed with an explanation only. Fc HoldCo 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.