Debt collection
Online Information Services: 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
- 83
- Closed with money back
- 0
- 2023 to 2025
- 21 to 38
Online Information Services received 1,657 complaints from everyone in the window; 83 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 83 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 21 in 2023 to 38 in 2025.
What the complaints are about
By product
| Debt collection | 70 |
| Credit reporting or other personal consumer reports | 11 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
By issue
| Attempts to collect debt not owed | 35 |
| Written notification about debt | 14 |
| False statements or representation | 12 |
| Incorrect information on your report | 9 |
| Took or threatened to take negative or legal action | 6 |
| 2023: 21 | 2024: 24 | 2025: 38 |
Which accounts, specifically
| Other debt | 48 |
| I do not know | 26 |
| Credit reporting | 13 |
| Telecommunications debt | 3 |
| Medical debt | 2 |
What went wrong, specifically
| Debt is not yours | 20 |
| Debt was result of identity theft | 18 |
| Attempted to collect wrong amount | 12 |
| Didn't receive enough information to verify debt | 7 |
| Threatened or suggested your credit would be damaged | 7 |
Busiest month: May 2025, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from TX (19), NC (10), FL (9) , then GA, NJ, CA.
How Online Information Services answered
| Closed with explanation | 55 |
| Closed with non-monetary relief | 28 |
Online Information Services 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; Written notification about debt. VA, 2024-08-14. Outcome: Closed with explanation. Complaint 9797541
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Debt collection; Attempts to collect debt not owed. GA, 2024-08-07. Outcome: Closed with explanation. Complaint 9737611
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Debt collection; Written notification about debt. PA, 2024-08-06. Outcome: Closed with non-monetary relief. Complaint 9720747
If this is your problem at Online Information Services
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
- The Cmi 82 servicemember complaints; 0 with money back
- Monterey Financial Services 81 servicemember complaints; 0 with money back
- Rent Recovery Solutions 86 servicemember complaints; 0 with money back
- RentDebt Automated Collections 86 servicemember complaints; 0 with money back
- Lockhart, Morris & Montgomery 80 servicemember complaints; 0 with money back
Next in the directory by volume: Marlette Funding.
Frequently asked questions
How many complaints did servicemembers file against Online Information Services?
83 complaints tagged servicemember were received by the CFPB about ONLINE Information Services, 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 21 in 2023 to 38 in 2025.
What do servicemembers complain about most at Online Information Services?
Debt collection accounts for 70 of the 83 complaints, and the most common issue is "Attempts to collect debt not owed" (35). Next: "Written notification about debt" (14).
Does Online Information Services give money back when a servicemember complains?
0 of the 83 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. 28 closed with non-monetary relief and 55 closed with an explanation only. Online Information Services 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.