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John C. Heath, Attorney at Law: 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
- 151
- Closed with money back
- 0%
- 2023 to 2025
- 19 to 78
Servicemembers filed 9.6% of John C. Heath, Attorney at Law's 1,576 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt or credit management, and the single most common issue is "Didn't provide services promised". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 19 in 2023 to 78 in 2025.
What the complaints are about
By product
| Debt or credit management | 81 |
| Credit reporting or other personal consumer reports | 45 |
| Credit reporting, credit repair services, or other personal consumer reports | 12 |
| Money transfer, virtual currency, or money service | 8 |
| Debt collection | 4 |
By issue
| Didn't provide services promised | 40 |
| Charged upfront or unexpected fees | 20 |
| Confusing or misleading advertising or marketing | 14 |
| Problem with a company's investigation into an existing problem | 14 |
| Incorrect information on your report | 9 |
| 2023: 19 | 2024: 54 | 2025: 78 |
Which accounts, specifically
| Credit repair services | 94 |
| Credit reporting | 42 |
| Other personal consumer report | 9 |
| Debt settlement | 5 |
| Money order, traveler's check or cashier's check | 5 |
What went wrong, specifically
| Their investigation did not fix an error on your report | 9 |
| Reporting company used your report improperly | 8 |
| Problem with personal statement of dispute | 4 |
| Was not notified of investigation status or results | 4 |
| Old information reappears or never goes away | 3 |
Busiest month: December 2024, with 45 servicemember complaints. Most were submitted by web.
Most complaints came from GA (26), SC (19), TX (13) , then AL, MI, FL.
How John C. Heath, Attorney at Law answered
| Closed with explanation | 151 | 100% |
John C. Heath, Attorney at Law responded within the CFPB's 15-day window on 95% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes the complaint provided an opportunity to answer consumer's questions" (8). 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. NC, 2024-08-27. Outcome: Closed with explanation. Complaint 9916552
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. OK, 2024-07-14. Outcome: Closed with explanation. Complaint 9495448
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. SC, 2024-07-12. Outcome: Closed with explanation. Complaint 9488095
If this is your problem at John C. Heath, Attorney at Law
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 other products peers
- Acima Credit 151 servicemember complaints; 2% with money back
- Credit Control 150 servicemember complaints; 0% with money back
- CashRepublic 149 servicemember complaints; 1% with money back
- Sallie Mae 148 servicemember complaints; 1% with money back
- Source Receivables Management 147 servicemember complaints; 0% with money back
Frequently asked questions
How many complaints did servicemembers file against John C. Heath, Attorney at Law?
151 complaints tagged servicemember were received by the CFPB about John C. Heath, Attorney at Law, PLLC 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 19 in 2023 to 78 in 2025.
What do servicemembers complain about most at John C. Heath, Attorney at Law?
Debt or credit management accounts for 81 of the 151 complaints, and the most common issue is "Didn't provide services promised" (40). Next: "Charged upfront or unexpected fees" (20).
Does John C. Heath, Attorney at Law 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 151 closed with an explanation only. John C. Heath, Attorney at Law answered 95% 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.