Debt collection
ProCollect: 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
- 245
- Closed with money back
- 0%
- 2023 to 2025
- 54 to 111
Servicemembers filed 8.4% of ProCollect's 2,904 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 54 in 2023 to 111 in 2025.
What the complaints are about
By product
| Debt collection | 184 |
| Credit reporting or other personal consumer reports | 50 |
| Credit reporting, credit repair services, or other personal consumer reports | 11 |
By issue
| Attempts to collect debt not owed | 84 |
| Written notification about debt | 44 |
| Incorrect information on your report | 42 |
| False statements or representation | 25 |
| Communication tactics | 15 |
| 2023: 54 | 2024: 80 | 2025: 111 |
Which accounts, specifically
| Rental debt | 129 |
| Credit reporting | 59 |
| Other debt | 31 |
| I do not know | 22 |
| Other personal consumer report | 3 |
What went wrong, specifically
| Debt is not yours | 48 |
| Didn't receive enough information to verify debt | 25 |
| Attempted to collect wrong amount | 23 |
| Debt was paid | 20 |
| Information belongs to someone else | 20 |
Busiest month: September 2024, with 15 servicemember complaints. Most were submitted by web.
Most complaints came from TX (117), FL (24), GA (10) , then NC, MS, IL.
How ProCollect answered
| Closed with explanation | 245 | 100% |
ProCollect responded within the CFPB's 15-day window on 82% 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" (245). 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; False statements or representation. TX, 2024-08-29. Outcome: Closed with explanation. Complaint 9953915
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Debt collection; Written notification about debt. TX, 2024-08-27. Outcome: Closed with explanation. Complaint 9936802
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Credit reporting or other personal consumer reports; Incorrect information on your report. NC, 2024-08-27. Outcome: Closed with explanation. Complaint 9919740
If this is your problem at ProCollect
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
- National Credit Adjusters 230 servicemember complaints; 0% with money back
- Sunrise Credit Services 230 servicemember complaints; 0% with money back
- W&a 221 servicemember complaints; 0% with money back
- Spring Oaks Capital 276 servicemember complaints; 0% with money back
- Radius Global Solutions 277 servicemember complaints; 0% with money back
Next in the directory by volume: Robinhood Markets, LoanCare, Kikoff.
Frequently asked questions
How many complaints did servicemembers file against ProCollect?
245 complaints tagged servicemember were received by the CFPB about ProCollect, 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 54 in 2023 to 111 in 2025.
What do servicemembers complain about most at ProCollect?
Debt collection accounts for 184 of the 245 complaints, and the most common issue is "Attempts to collect debt not owed" (84). Next: "Written notification about debt" (44).
Does ProCollect 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 245 closed with an explanation only. ProCollect answered 82% 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.