Credit reporting
Open Dealer 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
- 43
- Closed with money back
- 0
- 2023 to 2025
- 14 to 12
Open Dealer Exchange received 1,016 complaints from everyone in the window; 43 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Improper use of your report". 0 of the 43 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 fell from 14 in 2023 to 12 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 33 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Vehicle loan or lease | 2 |
By issue
| Improper use of your report | 36 |
| Incorrect information on your report | 3 |
| Identity theft protection or other monitoring services | 1 |
| Managing the loan or lease | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| 2023: 14 | 2024: 17 | 2025: 12 |
Which accounts, specifically
| Credit reporting | 40 |
| Other personal consumer report | 4 |
| Loan | 2 |
| Lease | 1 |
What went wrong, specifically
| Credit inquiries on your report that you don't recognize | 33 |
| Reporting company used your report improperly | 3 |
| Information belongs to someone else | 2 |
| Didn't receive services that were advertised | 1 |
| Their investigation did not fix an error on your report | 1 |
Busiest month: March 2023, with 3 servicemember complaints. Most were submitted by web.
Most complaints came from TX (10), CA (5), SC (4) , then IL, NC, AL.
How Open Dealer Exchange answered
| Closed with explanation | 43 |
Open Dealer Exchange responded within the CFPB's 15-day window on 98% 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. CA, 2024-08-25. Outcome: Closed with explanation. Complaint 9910195
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Credit reporting or other personal consumer reports; Improper use of your report. GA, 2024-08-17. Outcome: Closed with explanation. Complaint 9833121
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Credit reporting or other personal consumer reports; Improper use of your report. TX, 2024-06-11. Outcome: Closed with explanation. Complaint 9233499
If this is your problem at Open Dealer 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
- Sunbit 44 servicemember complaints; 0 with money back
- Central Research 45 servicemember complaints; 0 with money back
- Rfna 41 servicemember complaints; 0 with money back
- TomoCredit 41 servicemember complaints; 1 with money back
- Larry H. Miller Group of Companies 48 servicemember complaints; 0 with money back
Next in the directory by volume: Sop Pioneer Partners, First Citizens Bancshares, First Credit Services.
Frequently asked questions
How many complaints did servicemembers file against Open Dealer Exchange?
43 complaints tagged servicemember were received by the CFPB about Open Dealer Exchange, 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 fell from 14 in 2023 to 12 in 2025.
What do servicemembers complain about most at Open Dealer Exchange?
Credit reporting or other personal consumer reports accounts for 33 of the 43 complaints, and the most common issue is "Improper use of your report" (36). Next: "Incorrect information on your report" (3).
Does Open Dealer Exchange give money back when a servicemember complains?
0 of the 43 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 43 closed with an explanation only. Open Dealer Exchange answered 98% 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.