Debt collection
Professional Debt Mediation: 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
- 72
- Closed with money back
- 0
- 2023 to 2025
- 22 to 37
Professional Debt Mediation received 929 complaints from everyone in the window; 72 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 72 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 22 in 2023 to 37 in 2025.
What the complaints are about
By product
| Debt collection | 51 |
| Credit reporting or other personal consumer reports | 18 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
By issue
| Attempts to collect debt not owed | 27 |
| Incorrect information on your report | 13 |
| False statements or representation | 12 |
| Written notification about debt | 10 |
| Problem with a company's investigation into an existing problem | 6 |
| 2023: 22 | 2024: 13 | 2025: 37 |
Which accounts, specifically
| Rental debt | 30 |
| Credit reporting | 19 |
| I do not know | 10 |
| Other debt | 9 |
| Other personal consumer report | 2 |
What went wrong, specifically
| Debt is not yours | 13 |
| Attempted to collect wrong amount | 11 |
| Debt was paid | 7 |
| Debt was result of identity theft | 7 |
| Didn't receive notice of right to dispute | 6 |
Busiest month: April 2025, with 9 servicemember complaints. Most were submitted by web.
Most complaints came from GA (20), FL (17), VA (8) , then AL, TX, CA.
How Professional Debt Mediation answered
| Closed with explanation | 72 |
Professional Debt Mediation responded within the CFPB's 15-day window on 88% 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; Attempts to collect debt not owed. SC, 2024-07-24. Outcome: Closed with explanation. Complaint 9599181
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Debt collection; Attempts to collect debt not owed. FL, 2024-07-08. Outcome: Closed with explanation. Complaint 9453862
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Debt collection; Attempts to collect debt not owed. GA, 2024-06-27. Outcome: Closed with explanation. Complaint 9362558
If this is your problem at Professional Debt Mediation
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
- Convergent Resources 73 servicemember complaints; 0 with money back
- Lj Ross Associates 74 servicemember complaints; 0 with money back
- Capio Partners 76 servicemember complaints; 0 with money back
- TekCollect 76 servicemember complaints; 0 with money back
- Kimball, Tirey & St. John LLP 79 servicemember complaints; 0 with money back
Next in the directory by volume: Specialized Loan Servicing, Carvana, Advanced Resolution Services.
Frequently asked questions
How many complaints did servicemembers file against Professional Debt Mediation?
72 complaints tagged servicemember were received by the CFPB about Professional Debt Mediation, 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 22 in 2023 to 37 in 2025.
What do servicemembers complain about most at Professional Debt Mediation?
Debt collection accounts for 51 of the 72 complaints, and the most common issue is "Attempts to collect debt not owed" (27). Next: "Incorrect information on your report" (13).
Does Professional Debt Mediation give money back when a servicemember complains?
0 of the 72 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 72 closed with an explanation only. Professional Debt Mediation answered 88% 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.