Debt collection
Halsted Financial 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
- 94
- Closed with money back
- 0
- 2023 to 2025
- 7 to 54
Halsted Financial Services received 1,046 complaints from everyone in the window; 94 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 94 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 rose from 7 in 2023 to 54 in 2025.
What the complaints are about
By product
| Debt collection | 79 |
| Credit reporting or other personal consumer reports | 12 |
| Credit card | 1 |
| Debt or credit management | 1 |
| Student loan | 1 |
By issue
| Attempts to collect debt not owed | 23 |
| Electronic communications | 18 |
| Written notification about debt | 13 |
| False statements or representation | 10 |
| Took or threatened to take negative or legal action | 10 |
| 2023: 7 | 2024: 33 | 2025: 54 |
Which accounts, specifically
| Credit card debt | 45 |
| I do not know | 28 |
| Credit reporting | 13 |
| Payday loan debt | 4 |
| Medical debt | 3 |
What went wrong, specifically
| Debt is not yours | 14 |
| Frequent or repeated messages | 11 |
| Attempted to collect wrong amount | 11 |
| Didn't receive enough information to verify debt | 9 |
| You told them to stop contacting you, but they keep trying | 8 |
Busiest month: January 2025, with 10 servicemember complaints. Most were submitted by web.
Most complaints came from GA (17), FL (15), CA (6) , then TX, TN, NC.
How Halsted Financial Services answered
| Closed with explanation | 94 |
Halsted Financial 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. FL, 2024-09-02. Outcome: Closed with explanation. Complaint 9993091
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Debt collection; Attempts to collect debt not owed. GA, 2024-08-27. Outcome: Closed with explanation. Complaint 9935356
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Debt collection; Electronic communications. GA, 2024-08-13. Outcome: Closed with explanation. Complaint 9784935
If this is your problem at Halsted Financial 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 debt collection peers
- Consumer Adjustment 95 servicemember complaints; 0 with money back
- Mrs Bpo 95 servicemember complaints; 0 with money back
- Bull City Financial Solutions 92 servicemember complaints; 0 with money back
- Debt Recovery Solutions 91 servicemember complaints; 0 with money back
- Nra 100 servicemember complaints; 0% with money back
Next in the directory by volume: Vystar Credit Union, Cascade Ciss, Solar Mosaic.
Frequently asked questions
How many complaints did servicemembers file against Halsted Financial Services?
94 complaints tagged servicemember were received by the CFPB about Halsted Financial 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 7 in 2023 to 54 in 2025.
What do servicemembers complain about most at Halsted Financial Services?
Debt collection accounts for 79 of the 94 complaints, and the most common issue is "Attempts to collect debt not owed" (23). Next: "Electronic communications" (18).
Does Halsted Financial Services give money back when a servicemember complains?
0 of the 94 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 94 closed with an explanation only. Halsted Financial 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.