Other products
National Debt Relief: 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
- 30
- Closed with money back
- 0
- 2023 to 2025
- 3 to 18
National Debt Relief received 240 complaints from everyone in the window; 30 carried the servicemember tag. The complaints are mostly about debt or credit management, and the single most common issue is "Didn't provide services promised". 0 of the 30 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 3 in 2023 to 18 in 2025.
What the complaints are about
By product
| Debt or credit management | 24 |
| Debt collection | 4 |
| Credit reporting or other personal consumer reports | 2 |
By issue
| Didn't provide services promised | 7 |
| Unauthorized withdrawals or charges | 5 |
| Charged upfront or unexpected fees | 4 |
| Confusing or missing disclosures | 3 |
| Problem with customer service | 3 |
| 2023: 3 | 2024: 9 | 2025: 18 |
Which accounts, specifically
| Debt settlement | 26 |
| Credit repair services | 3 |
| Credit card debt | 3 |
| Payday loan debt | 2 |
| Credit reporting | 2 |
What went wrong, specifically
| Frequent or repeated calls | 2 |
| Credit inquiries on your report that you don't recognize | 2 |
| Impersonated attorney, law enforcement, or government official | 1 |
| Called before 8am or after 9pm | 1 |
| Threatened to arrest you or take you to jail if you do not pay | 1 |
Busiest month: May 2024, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from MD (4), FL (3), SC (3) , then CA, DE, TN.
How National Debt Relief answered
| Closed with explanation | 30 |
National Debt Relief responded within the CFPB's 15-day window on 80% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes the complaint is the result of a misunderstanding" (3). 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.
-
""
Debt or credit management; Confusing or missing disclosures. AZ, 2024-08-22. Outcome: Closed with explanation. Complaint 9873294
-
""
Debt or credit management; Confusing or missing disclosures. WA, 2024-08-15. Outcome: Closed with explanation. Complaint 9810129
-
""
Debt or credit management; Unauthorized withdrawals or charges. MA, 2024-05-30. Outcome: Closed with explanation. Complaint 9138417
If this is your problem at National Debt Relief
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 other products peers
- Banco Popular De Puerto Rico 30 servicemember complaints; 1 with money back
- Bankers Healthcare 30 servicemember complaints; 0 with money back
- McCarthy, Burgess & Wolff 30 servicemember complaints; 0 with money back
- Afni 31 servicemember complaints; 0 with money back
- Americas Car-Mart 31 servicemember complaints; 0 with money back
Next in the directory by volume: Healthcare Finance Direct, Law Office of Michael J. Scott, Pc, National Consumer Telecom & Utilities Exchange.
Frequently asked questions
How many complaints did servicemembers file against National Debt Relief?
30 complaints tagged servicemember were received by the CFPB about NATIONAL DEBT RELIEF 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 3 in 2023 to 18 in 2025.
What do servicemembers complain about most at National Debt Relief?
Debt or credit management accounts for 24 of the 30 complaints, and the most common issue is "Didn't provide services promised" (7). Next: "Unauthorized withdrawals or charges" (5).
Does National Debt Relief give money back when a servicemember complains?
0 of the 30 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. National Debt Relief answered 80% 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.