Credit cards
First Portfolio Servicing: 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
- 115
- Closed with money back
- 0%
- 2023 to 2025
- 33 to 38
Servicemembers filed 10.2% of First Portfolio Servicing's 1,128 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit card, and the single most common issue is "Incorrect information on your report". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 33 in 2023 to 38 in 2025.
What the complaints are about
By product
| Credit card | 56 |
| Credit reporting or other personal consumer reports | 27 |
| Debt collection | 18 |
| Credit card or prepaid card | 10 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
By issue
| Incorrect information on your report | 19 |
| Getting a credit card | 15 |
| Problem with a company's investigation into an existing problem | 12 |
| Fees or interest | 11 |
| Improper use of your report | 10 |
| 2023: 33 | 2024: 44 | 2025: 38 |
Which accounts, specifically
| General-purpose credit card or charge card | 74 |
| Credit reporting | 32 |
| Credit card debt | 15 |
| I do not know | 2 |
| Other personal consumer report | 1 |
What went wrong, specifically
| Their investigation did not fix an error on your report | 10 |
| Problem with fees | 9 |
| Can't close your account | 8 |
| Card opened without my consent or knowledge | 8 |
| Information belongs to someone else | 7 |
Busiest month: January 2024, with 8 servicemember complaints. Most were submitted by web.
Most complaints came from TX (20), MN (12), CA (10) , then GA, FL, NC.
How First Portfolio Servicing answered
| Closed with explanation | 115 | 100% |
First Portfolio Servicing 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 disputes the facts presented in the complaint" (29). 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.
-
""
Credit card; Getting a credit card. GA, 2024-08-27. Outcome: Closed with explanation. Complaint 9937108
-
""
Credit card; Getting a credit card. NV, 2024-08-25. Outcome: Closed with explanation. Complaint 9908911
-
""
Credit card; Problem with a company's investigation into an existing problem. NC, 2024-08-19. Outcome: Closed with explanation. Complaint 9848835
If this is your problem at First Portfolio Servicing
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 cards peers
- First National Bank Of Omaha 112 servicemember complaints; 8% with money back
- Avant 168 servicemember complaints; 1% with money back
- Continental Finance 183 servicemember complaints; 0% with money back
- Synovus Bank 252 servicemember complaints; 6% with money back
- Atlanticus Services 311 servicemember complaints; 26% with money back
Next in the directory by volume: Lendmark Financial Services, Ability Recovery Services.
Frequently asked questions
How many complaints did servicemembers file against First Portfolio Servicing?
115 complaints tagged servicemember were received by the CFPB about FIRST PORTFOLIO SERVICING 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 33 in 2023 to 38 in 2025.
What do servicemembers complain about most at First Portfolio Servicing?
Credit card accounts for 56 of the 115 complaints, and the most common issue is "Incorrect information on your report" (19). Next: "Getting a credit card" (15).
Does First Portfolio Servicing 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 115 closed with an explanation only. First Portfolio Servicing 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.