Debt collection
Lockhart, Morris & Montgomery: 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
- 80
- Closed with money back
- 0
- 2023 to 2025
- 19 to 38
Lockhart, Morris & Montgomery received 1,533 complaints from everyone in the window; 80 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 80 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 19 in 2023 to 38 in 2025.
What the complaints are about
By product
| Debt collection | 52 |
| Credit reporting or other personal consumer reports | 20 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
By issue
| Attempts to collect debt not owed | 27 |
| Incorrect information on your report | 15 |
| Written notification about debt | 12 |
| Improper use of your report | 11 |
| Took or threatened to take negative or legal action | 5 |
| 2023: 19 | 2024: 23 | 2025: 38 |
Which accounts, specifically
| Credit reporting | 29 |
| Medical debt | 20 |
| I do not know | 17 |
| Private student loan debt | 9 |
| Other debt | 6 |
What went wrong, specifically
| Debt is not yours | 16 |
| Reporting company used your report improperly | 11 |
| Debt was result of identity theft | 9 |
| Didn't receive enough information to verify debt | 8 |
| Account information incorrect | 6 |
Busiest month: March 2023, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from FL (18), TX (16), GA (6) , then SC, CA, MD.
How Lockhart, Morris & Montgomery answered
| Closed with explanation | 80 |
Lockhart, Morris & Montgomery responded within the CFPB's 15-day window on 98% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (75). 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. MI, 2024-09-04. Outcome: Closed with explanation. Complaint 9998969
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Credit reporting or other personal consumer reports; Incorrect information on your report. NJ, 2024-08-31. Outcome: Closed with explanation. Complaint 9974251
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Debt collection; Written notification about debt. AE, 2024-08-21. Outcome: Closed with explanation. Complaint 9882196
If this is your problem at Lockhart, Morris & Montgomery
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
- Monterey Financial Services 81 servicemember complaints; 0 with money back
- Kimball, Tirey & St. John LLP 79 servicemember complaints; 0 with money back
- The Cmi 82 servicemember complaints; 0 with money back
- Online Information Services 83 servicemember complaints; 0 with money back
- Capio Partners 76 servicemember complaints; 0 with money back
Next in the directory by volume: Mortgage Solutions Of Colorado, Possible Financial.
Frequently asked questions
How many complaints did servicemembers file against Lockhart, Morris & Montgomery?
80 complaints tagged servicemember were received by the CFPB about Lockhart, Morris & Montgomery 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 19 in 2023 to 38 in 2025.
What do servicemembers complain about most at Lockhart, Morris & Montgomery?
Debt collection accounts for 52 of the 80 complaints, and the most common issue is "Attempts to collect debt not owed" (27). Next: "Incorrect information on your report" (15).
Does Lockhart, Morris & Montgomery give money back when a servicemember complains?
0 of the 80 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 80 closed with an explanation only. Lockhart, Morris & Montgomery answered 98% 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.