Debt collection
The Receivable Management 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
- 39
- Closed with money back
- 0
- 2023 to 2025
- 10 to 16
The Receivable Management Services received 849 complaints from everyone in the window; 39 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 39 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 10 in 2023 to 16 in 2025.
What the complaints are about
By product
| Debt collection | 32 |
| Credit reporting or other personal consumer reports | 6 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
By issue
| Attempts to collect debt not owed | 14 |
| Written notification about debt | 10 |
| False statements or representation | 4 |
| Incorrect information on your report | 4 |
| Communication tactics | 3 |
| 2023: 10 | 2024: 13 | 2025: 16 |
Which accounts, specifically
| Other debt | 14 |
| I do not know | 13 |
| Credit reporting | 8 |
| Medical debt | 2 |
| Credit card debt | 1 |
What went wrong, specifically
| Debt is not yours | 7 |
| Didn't receive enough information to verify debt | 7 |
| Debt was paid | 5 |
| Account status incorrect | 3 |
| Didn't receive notice of right to dispute | 3 |
Busiest month: July 2025, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from TX (7), FL (4), GA (3) , then OH, AZ, CO.
How The Receivable Management Services answered
| Closed with explanation | 39 |
The Receivable Management Services 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" (39). 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. FL, 2024-07-31. Outcome: Closed with explanation. Complaint 9666697
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. LA, 2024-06-13. Outcome: Closed with explanation. Complaint 9257730
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Debt collection; Attempts to collect debt not owed. CO, 2024-06-04. Outcome: Closed with explanation. Complaint 9176507
If this is your problem at The Receivable Management 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
- American Coradius International 39 servicemember complaints; 0 with money back
- Firstsource Business Process Services 39 servicemember complaints; 0 with money back
- Oliphant United 39 servicemember complaints; 0 with money back
- Optio Solutions 39 servicemember complaints; 0 with money back
- Reliant Capital Solutions 38 servicemember complaints; 0 with money back
Next in the directory by volume: Blackhawk Network, Grain Technology, Kovo.
Frequently asked questions
How many complaints did servicemembers file against The Receivable Management Services?
39 complaints tagged servicemember were received by the CFPB about The Receivable Management Services 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 rose from 10 in 2023 to 16 in 2025.
What do servicemembers complain about most at The Receivable Management Services?
Debt collection accounts for 32 of the 39 complaints, and the most common issue is "Attempts to collect debt not owed" (14). Next: "Written notification about debt" (10).
Does The Receivable Management Services give money back when a servicemember complains?
0 of the 39 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 39 closed with an explanation only. The Receivable Management 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.