Debt collection
National Credit Adjusters: 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
- 230
- Closed with money back
- 0%
- 2023 to 2025
- 74 to 90
Servicemembers filed 4.7% of National Credit Adjusters's 4,900 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 74 in 2023 to 90 in 2025.
What the complaints are about
By product
| Debt collection | 154 |
| Credit reporting or other personal consumer reports | 53 |
| Credit reporting, credit repair services, or other personal consumer reports | 12 |
| Payday loan, title loan, personal loan, or advance loan | 7 |
| Debt or credit management | 3 |
By issue
| Attempts to collect debt not owed | 76 |
| Written notification about debt | 47 |
| Incorrect information on your report | 34 |
| False statements or representation | 16 |
| Improper use of your report | 14 |
| 2023: 74 | 2024: 66 | 2025: 90 |
Which accounts, specifically
| I do not know | 96 |
| Credit reporting | 68 |
| Payday loan debt | 46 |
| Other debt | 12 |
| Credit card debt | 11 |
What went wrong, specifically
| Debt is not yours | 41 |
| Debt was result of identity theft | 33 |
| Didn't receive enough information to verify debt | 26 |
| Didn't receive notice of right to dispute | 24 |
| Attempted to collect wrong amount | 15 |
Busiest month: January 2025, with 14 servicemember complaints. Most were submitted by web.
Most complaints came from TX (66), CA (28), AL (18) , then GA, SC, FL.
How National Credit Adjusters answered
| Closed with explanation | 230 | 100% |
National Credit Adjusters 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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Debt collection; Attempts to collect debt not owed. SC, 2024-08-31. Outcome: Closed with explanation. Complaint 9976039
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Debt collection; Written notification about debt. GA, 2024-08-28. Outcome: Closed with explanation. Complaint 9950184
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Payday loan, title loan, personal loan, or advance loan; Getting a line of credit. GA, 2024-08-23. Outcome: Closed with explanation. Complaint 9903243
If this is your problem at National Credit Adjusters
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
- Sunrise Credit Services 230 servicemember complaints; 0% with money back
- W&a 221 servicemember complaints; 0% with money back
- ProCollect 245 servicemember complaints; 0% with money back
- Southwest Credit Systems 213 servicemember complaints; 0% with money back
- Ncb Management Services 199 servicemember complaints; 0% with money back
Next in the directory by volume: Rocket Mortgage.
Frequently asked questions
How many complaints did servicemembers file against National Credit Adjusters?
230 complaints tagged servicemember were received by the CFPB about National Credit Adjusters, 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 74 in 2023 to 90 in 2025.
What do servicemembers complain about most at National Credit Adjusters?
Debt collection accounts for 154 of the 230 complaints, and the most common issue is "Attempts to collect debt not owed" (76). Next: "Written notification about debt" (47).
Does National Credit Adjusters 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 230 closed with an explanation only. National Credit Adjusters 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.