Debt collection
Lj Ross Associates: 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
- 74
- Closed with money back
- 0
- 2023 to 2025
- 18 to 36
Lj Ross Associates received 1,339 complaints from everyone in the window; 74 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 74 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 18 in 2023 to 36 in 2025.
What the complaints are about
By product
| Debt collection | 60 |
| Credit reporting or other personal consumer reports | 13 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
By issue
| Attempts to collect debt not owed | 31 |
| Written notification about debt | 14 |
| Incorrect information on your report | 10 |
| Took or threatened to take negative or legal action | 8 |
| False statements or representation | 5 |
| 2023: 18 | 2024: 20 | 2025: 36 |
Which accounts, specifically
| Other debt | 46 |
| Credit reporting | 16 |
| I do not know | 11 |
| Telecommunications debt | 3 |
| Medical debt | 2 |
What went wrong, specifically
| Debt is not yours | 18 |
| Debt was result of identity theft | 13 |
| Didn't receive notice of right to dispute | 9 |
| Threatened or suggested your credit would be damaged | 7 |
| Didn't receive enough information to verify debt | 5 |
Busiest month: October 2025, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from MI (9), MD (8), FL (7) , then NY, GA, IL.
How Lj Ross Associates answered
| Closed with explanation | 74 |
Lj Ross Associates 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" (47). 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. NC, 2024-09-03. Outcome: Closed with explanation. Complaint 9998650
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Debt collection; Attempts to collect debt not owed. MI, 2024-07-26. Outcome: Closed with explanation. Complaint 9627837
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Debt collection; Attempts to collect debt not owed. MI, 2024-07-25. Outcome: Closed with explanation. Complaint 9616272
If this is your problem at Lj Ross Associates
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
- Convergent Resources 73 servicemember complaints; 0 with money back
- Capio Partners 76 servicemember complaints; 0 with money back
- TekCollect 76 servicemember complaints; 0 with money back
- Professional Debt Mediation 72 servicemember complaints; 0 with money back
- Kimball, Tirey & St. John LLP 79 servicemember complaints; 0 with money back
Next in the directory by volume: MicroBilt / Prbc (formerly Cl Verify), Regional Management, Conn's.
Frequently asked questions
How many complaints did servicemembers file against Lj Ross Associates?
74 complaints tagged servicemember were received by the CFPB about LJ Ross Associates 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 18 in 2023 to 36 in 2025.
What do servicemembers complain about most at Lj Ross Associates?
Debt collection accounts for 60 of the 74 complaints, and the most common issue is "Attempts to collect debt not owed" (31). Next: "Written notification about debt" (14).
Does Lj Ross Associates give money back when a servicemember complains?
0 of the 74 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 74 closed with an explanation only. Lj Ross Associates 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.