Credit cards
Mercury Financial: 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
- 31
- Closed with money back
- 1
- 2023 to 2025
- 0 to 19
Mercury Financial received 263 complaints from everyone in the window; 31 carried the servicemember tag. The complaints are mostly about credit card, and the single most common issue is "Incorrect information on your report". 1 of the 31 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 0 in 2023 to 19 in 2025.
What the complaints are about
By product
| Credit card | 16 |
| Credit reporting or other personal consumer reports | 12 |
| Debt collection | 3 |
By issue
| Incorrect information on your report | 8 |
| Problem with a purchase shown on your statement | 5 |
| Improper use of your report | 3 |
| Communication tactics | 2 |
| Fees or interest | 2 |
| 2023: 0 | 2024: 12 | 2025: 19 |
Which accounts, specifically
| General-purpose credit card or charge card | 18 |
| Credit reporting | 13 |
| Credit card debt | 3 |
What went wrong, specifically
| Account information incorrect | 4 |
| Credit card company isn't resolving a dispute about a purchase on your statement | 4 |
| Reporting company used your report improperly | 3 |
| Can't use card to make purchases | 3 |
| Information belongs to someone else | 3 |
Busiest month: October 2025, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from VA (5), NC (4), PA (3) , then RI, TX, AL.
How Mercury Financial answered
| Closed with explanation | 30 |
| Closed with monetary relief | 1 |
Mercury Financial 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 card; Trouble using your card. GA, 2024-08-28. Outcome: Closed with explanation. Complaint 9950065
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. VA, 2024-07-15. Outcome: Closed with explanation. Complaint 9518706
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Credit reporting or other personal consumer reports; Improper use of your report. TN, 2024-06-27. Outcome: Closed with explanation. Complaint 9354677
If this is your problem at Mercury Financial
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 credit cards peers
- First National Bank Of Omaha 112 servicemember complaints; 8% with money back
- First Portfolio Servicing 115 servicemember complaints; 0% with money back
- Avant 168 servicemember complaints; 1% with money back
- Continental Finance 183 servicemember complaints; 0% with money back
- Synovus Bank 252 servicemember complaints; 6% with money back
Next in the directory by volume: United Revenue, Banco Popular De Puerto Rico, Bankers Healthcare.
Frequently asked questions
How many complaints did servicemembers file against Mercury Financial?
31 complaints tagged servicemember were received by the CFPB about Mercury Financial Intermediate 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 0 in 2023 to 19 in 2025.
What do servicemembers complain about most at Mercury Financial?
Credit card accounts for 16 of the 31 complaints, and the most common issue is "Incorrect information on your report" (8). Next: "Problem with a purchase shown on your statement" (5).
Does Mercury Financial give money back when a servicemember complains?
1 of the 31 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 30 closed with an explanation only. Mercury Financial 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.