Debt collection
Security Credit 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
- 106
- Closed with money back
- 0%
- 2023 to 2025
- 24 to 46
Servicemembers filed 5.1% of Security Credit Services's 2,067 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 24 in 2023 to 46 in 2025.
What the complaints are about
By product
| Debt collection | 71 |
| Credit reporting or other personal consumer reports | 24 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Checking or savings account | 2 |
| Credit card | 1 |
By issue
| Attempts to collect debt not owed | 37 |
| Incorrect information on your report | 18 |
| Written notification about debt | 18 |
| False statements or representation | 8 |
| Improper use of your report | 6 |
| 2023: 24 | 2024: 36 | 2025: 46 |
Which accounts, specifically
| I do not know | 33 |
| Credit reporting | 31 |
| Credit card debt | 19 |
| Other debt | 15 |
| Telecommunications debt | 3 |
What went wrong, specifically
| Debt is not yours | 21 |
| Debt was result of identity theft | 12 |
| Information belongs to someone else | 9 |
| Didn't receive notice of right to dispute | 9 |
| Didn't receive enough information to verify debt | 8 |
Busiest month: February 2024, with 7 servicemember complaints. Most were submitted by web.
Most complaints came from TX (28), GA (11), CA (6) , then FL, MS, VA.
How Security Credit Services answered
| Closed with explanation | 106 | 100% |
Security Credit Services 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; Attempts to collect debt not owed. SC, 2024-08-20. Outcome: Closed with explanation. Complaint 9866463
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. FL, 2024-07-21. Outcome: Closed with explanation. Complaint 9574148
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Credit reporting or other personal consumer reports; Incorrect information on your report. LA, 2024-07-17. Outcome: Closed with explanation. Complaint 9544357
If this is your problem at Security Credit 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
- Central Portfolio Control 108 servicemember complaints; 0% with money back
- Nra 100 servicemember complaints; 0% with money back
- Ability Recovery Services 113 servicemember complaints; 1% with money back
- Absolute Resolutions 115 servicemember complaints; 0% with money back
- Collection Management 118 servicemember complaints; 0% with money back
Next in the directory by volume: AES/PHEAA, Midfirst Bank.
Frequently asked questions
How many complaints did servicemembers file against Security Credit Services?
106 complaints tagged servicemember were received by the CFPB about Security Credit 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 24 in 2023 to 46 in 2025.
What do servicemembers complain about most at Security Credit Services?
Debt collection accounts for 71 of the 106 complaints, and the most common issue is "Attempts to collect debt not owed" (37). Next: "Incorrect information on your report" (18).
Does Security Credit Services 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 106 closed with an explanation only. Security Credit 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.