Credit reporting
PenFed: 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
- 318
- Closed with money back
- 10%
- 2023 to 2025
- 102 to 117
Servicemembers filed 12.5% of PenFed's 2,534 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Managing an account". 10% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 102 in 2023 to 117 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 69 |
| Checking or savings account | 68 |
| Mortgage | 40 |
| Credit card | 36 |
| Debt collection | 27 |
By issue
| Managing an account | 42 |
| Incorrect information on your report | 40 |
| Improper use of your report | 24 |
| Problem with a company's investigation into an existing problem | 19 |
| Trouble during payment process | 18 |
| 2023: 102 | 2024: 99 | 2025: 117 |
Which accounts, specifically
| Credit reporting | 93 |
| General-purpose credit card or charge card | 68 |
| Checking account | 60 |
| Loan | 34 |
| VA mortgage | 21 |
What went wrong, specifically
| Deposits and withdrawals | 27 |
| Account information incorrect | 21 |
| Their investigation did not fix an error on your report | 20 |
| Reporting company used your report improperly | 19 |
| Credit card company isn't resolving a dispute about a purchase on your statement | 12 |
Busiest month: March 2024, with 17 servicemember complaints. Most were submitted by web.
Most complaints came from TX (48), FL (34), GA (26) , then NC, CA, VA.
How PenFed answered
| Closed with explanation | 259 | 81% |
| Closed with monetary relief | 31 | 10% |
| Closed with non-monetary relief | 28 | 9% |
PenFed responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (318). 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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Checking or savings account; Managing an account. TX, 2024-09-02. Outcome: Closed with explanation. Complaint 9990242
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Credit reporting or other personal consumer reports; Improper use of your report. CT, 2024-08-28. Outcome: Closed with explanation. Complaint 9932004
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Credit card; Fees or interest. MS, 2024-08-11. Outcome: Closed with monetary relief. Complaint 9777804
If this is your problem at PenFed
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. This site's verified guide to the company's own military policies: PenFed Military Pay Dates: Calendar Covers Active, Retired and VA Pay.
Compare with credit reporting peers
- Self Financial 380 servicemember complaints; 1% with money back
- Upgrade 257 servicemember complaints; 5% with money back
- Kikoff 231 servicemember complaints; 0% with money back
- Cbc Companies 439 servicemember complaints; 0% with money back
- Corelogic 214 servicemember complaints; 0% with money back
Next in the directory by volume: Atlanticus Services, Caine & Weiner, GM Financial.
Frequently asked questions
How many complaints did servicemembers file against PenFed?
318 complaints tagged servicemember were received by the CFPB about PENTAGON FEDERAL CREDIT UNION 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 102 in 2023 to 117 in 2025.
What do servicemembers complain about most at PenFed?
Credit reporting or other personal consumer reports accounts for 69 of the 318 complaints, and the most common issue is "Managing an account" (42). Next: "Incorrect information on your report" (40).
Does PenFed give money back when a servicemember complains?
10% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 28 closed with non-monetary relief and 259 closed with an explanation only. PenFed 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.