Debt collection
I.c. System: 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
- 507
- Closed with money back
- 0%
- 2023 to 2025
- 152 to 233
Servicemembers filed 5% of I.c. System's 10,203 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 152 in 2023 to 233 in 2025.
What the complaints are about
By product
| Debt collection | 394 |
| Credit reporting or other personal consumer reports | 83 |
| Credit reporting, credit repair services, or other personal consumer reports | 27 |
| Debt or credit management | 2 |
| Student loan | 1 |
By issue
| Attempts to collect debt not owed | 217 |
| Written notification about debt | 92 |
| Incorrect information on your report | 73 |
| False statements or representation | 46 |
| Took or threatened to take negative or legal action | 24 |
| 2023: 152 | 2024: 122 | 2025: 233 |
Which accounts, specifically
| Telecommunications debt | 162 |
| Other debt | 123 |
| I do not know | 117 |
| Credit reporting | 114 |
| Medical debt | 21 |
What went wrong, specifically
| Debt is not yours | 147 |
| Didn't receive enough information to verify debt | 49 |
| Didn't receive notice of right to dispute | 46 |
| Debt was paid | 46 |
| Attempted to collect wrong amount | 45 |
Busiest month: June 2025, with 32 servicemember complaints. Most were submitted by web.
Most complaints came from TX (75), GA (55), FL (54) , then CA, NC, OH.
How I.c. System answered
| Closed with explanation | 474 | 93% |
| Closed with non-monetary relief | 33 | 7% |
I.c. System 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" (506). 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; Written notification about debt. MD, 2024-08-29. Outcome: Closed with explanation. Complaint 9957426
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Debt collection; Attempts to collect debt not owed. FL, 2024-08-29. Outcome: Closed with explanation. Complaint 9955749
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. GA, 2024-08-22. Outcome: Closed with explanation. Complaint 9894194
If this is your problem at I.c. System
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
- Kriya Capital 539 servicemember complaints; 0% with money back
- Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis 434 servicemember complaints; 1% with money back
- National Credit Systems 610 servicemember complaints; 0% with money back
- Ccs Financial Services 694 servicemember complaints; 0% with money back
- Transworld Systems 721 servicemember complaints; 0% with money back
Next in the directory by volume: PNC Bank, Credit Acceptance, Navient Solutions.
Frequently asked questions
How many complaints did servicemembers file against I.c. System?
507 complaints tagged servicemember were received by the CFPB about I.C. System, 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 152 in 2023 to 233 in 2025.
What do servicemembers complain about most at I.c. System?
Debt collection accounts for 394 of the 507 complaints, and the most common issue is "Attempts to collect debt not owed" (217). Next: "Written notification about debt" (92).
Does I.c. System give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 33 closed with non-monetary relief and 474 closed with an explanation only. I.c. System 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.