Credit reporting
Rfna: 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
- 41
- Closed with money back
- 0
- 2023 to 2025
- 17 to 14
Rfna received 546 complaints from everyone in the window; 41 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0 of the 41 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 17 in 2023 to 14 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 14 |
| Payday loan, title loan, personal loan, or advance loan | 13 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Debt collection | 5 |
| Payday loan, title loan, or personal loan | 3 |
By issue
| Incorrect information on your report | 13 |
| Problem with a company's investigation into an existing problem | 6 |
| Problem when making payments | 5 |
| Charged fees or interest you didn't expect | 3 |
| Struggling to pay your loan | 3 |
| 2023: 17 | 2024: 10 | 2025: 14 |
Which accounts, specifically
| Credit reporting | 20 |
| Installment loan | 19 |
| Other debt | 3 |
| I do not know | 3 |
| Payday loan debt | 1 |
What went wrong, specifically
| Account information incorrect | 8 |
| Their investigation did not fix an error on your report | 6 |
| Account status incorrect | 2 |
| You told them to stop contacting you, but they keep trying | 2 |
| Information belongs to someone else | 2 |
Busiest month: September 2023, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from GA (12), SC (5), LA (4) , then OH, AL, NC.
How Rfna answered
| Closed with explanation | 35 |
| Closed with non-monetary relief | 6 |
Rfna responded within the CFPB's 15-day window on 100% 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; False statements or representation. LA, 2024-08-22. Outcome: Closed with explanation. Complaint 9894407
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. GA, 2024-08-11. Outcome: Closed with explanation. Complaint 9777988
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Payday loan, title loan, personal loan, or advance loan; Problem when making payments. OH, 2024-06-28. Outcome: Closed with explanation. Complaint 9375268
If this is your problem at Rfna
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
- TomoCredit 41 servicemember complaints; 1 with money back
- Open Dealer Exchange 43 servicemember complaints; 0 with money back
- Sunbit 44 servicemember complaints; 0 with money back
- Kovo 38 servicemember complaints; 0 with money back
- Westcreek Financial 38 servicemember complaints; 0 with money back
Next in the directory by volume: Byrider Franchising, Conduent.
Frequently asked questions
How many complaints did servicemembers file against Rfna?
41 complaints tagged servicemember were received by the CFPB about RFNA, LP 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 17 in 2023 to 14 in 2025.
What do servicemembers complain about most at Rfna?
Credit reporting or other personal consumer reports accounts for 14 of the 41 complaints, and the most common issue is "Incorrect information on your report" (13). Next: "Problem with a company's investigation into an existing problem" (6).
Does Rfna give money back when a servicemember complains?
0 of the 41 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. 6 closed with non-monetary relief and 35 closed with an explanation only. Rfna 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.