Credit reporting
National Consumer Telecom & Utilities Exchange: 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
- 29
- Closed with money back
- 0
- 2023 to 2025
- 4 to 20
National Consumer Telecom & Utilities Exchange received 870 complaints from everyone in the window; 29 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Problem with a company's investigation into an existing problem". 0 of the 29 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 4 in 2023 to 20 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 25 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Credit card or prepaid card | 1 |
By issue
| Problem with a company's investigation into an existing problem | 14 |
| Improper use of your report | 7 |
| Incorrect information on your report | 4 |
| Advertising | 1 |
| Problem with a company's investigation into an existing issue | 1 |
| 2023: 4 | 2024: 5 | 2025: 20 |
Which accounts, specifically
| Credit reporting | 25 |
| Other personal consumer report | 3 |
| Gift card | 1 |
What went wrong, specifically
| Their investigation did not fix an error on your report | 14 |
| Reporting company used your report improperly | 7 |
| Information belongs to someone else | 3 |
| Personal information incorrect | 1 |
| Confusing or misleading advertising about the card | 1 |
Busiest month: November 2025, with 8 servicemember complaints. Most were submitted by web.
Most complaints came from FL (15), CO (4), GA (2) , then TX, AL, IA.
How National Consumer Telecom & Utilities Exchange answered
| Closed with explanation | 29 |
National Consumer Telecom & Utilities Exchange 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 reporting or other personal consumer reports; Improper use of your report. TX, 2024-07-06. Outcome: Closed with explanation. Complaint 9446782
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Credit reporting or other personal consumer reports; Improper use of your report. TX, 2024-07-06. Outcome: Closed with explanation. Complaint 9445950
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Credit reporting or other personal consumer reports; Problem with fraud alerts or security freezes. AL, 2024-05-31. Outcome: Closed with explanation. Complaint 9143946
If this is your problem at National Consumer Telecom & Utilities Exchange
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 reporting peers
- Kashable 27 servicemember complaints; 0 with money back
- Volvo Car Financial Services U.s. 25 servicemember complaints; 0 with money back
- Tower Loan of Mississippi 37 servicemember complaints; 0 with money back
- Kovo 38 servicemember complaints; 0 with money back
- Westcreek Financial 38 servicemember complaints; 0 with money back
Next in the directory by volume: Remitly, Servicemac, Shepherd Outsourcing.
Frequently asked questions
How many complaints did servicemembers file against National Consumer Telecom & Utilities Exchange?
29 complaints tagged servicemember were received by the CFPB about National Consumer Telecom & Utilities Exchange, 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 4 in 2023 to 20 in 2025.
What do servicemembers complain about most at National Consumer Telecom & Utilities Exchange?
Credit reporting or other personal consumer reports accounts for 25 of the 29 complaints, and the most common issue is "Problem with a company's investigation into an existing problem" (14). Next: "Improper use of your report" (7).
Does National Consumer Telecom & Utilities Exchange give money back when a servicemember complains?
0 of the 29 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 29 closed with an explanation only. National Consumer Telecom & Utilities Exchange 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.