Debt collection
Sentry Credit: 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
- 28
- Closed with money back
- 0
- 2023 to 2025
- 6 to 9
Sentry Credit received 332 complaints from everyone in the window; 28 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 28 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 6 in 2023 to 9 in 2025.
What the complaints are about
By product
| Debt collection | 23 |
| Credit reporting or other personal consumer reports | 3 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
By issue
| Attempts to collect debt not owed | 9 |
| Written notification about debt | 8 |
| Incorrect information on your report | 3 |
| Communication tactics | 2 |
| Improper use of your report | 2 |
| 2023: 6 | 2024: 13 | 2025: 9 |
Which accounts, specifically
| Rental debt | 14 |
| Credit reporting | 4 |
| I do not know | 4 |
| Other debt | 2 |
| Auto debt | 2 |
What went wrong, specifically
| Debt is not yours | 5 |
| Didn't receive notice of right to dispute | 5 |
| Debt was paid | 3 |
| Didn't receive enough information to verify debt | 3 |
| Reporting company used your report improperly | 2 |
Busiest month: August 2024, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from CA (4), VA (4), FL (3) , then GA, TX, NM.
How Sentry Credit answered
| Closed with explanation | 28 |
Sentry Credit 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; Written notification about debt. GA, 2024-08-27. Outcome: Closed with explanation. Complaint 9933580
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Debt collection; Written notification about debt. VA, 2024-08-10. Outcome: Closed with explanation. Complaint 9789958
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Debt collection; Electronic communications. GA, 2024-08-13. Outcome: Closed with explanation. Complaint 9784365
If this is your problem at Sentry Credit
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
- Adler Wallach & Associates 28 servicemember complaints; 0 with money back
- Advance America, Cash Advance Centers 28 servicemember complaints; 0 with money back
- Gurstel Law Firm, P.c. 28 servicemember complaints; 0 with money back
- Omega Rms 28 servicemember complaints; 0 with money back
- Healthcare Finance Direct 29 servicemember complaints; 1 with money back
Next in the directory by volume: Skopos Financial, American Financial Network, CULLEN/FROST Bankers.
Frequently asked questions
How many complaints did servicemembers file against Sentry Credit?
28 complaints tagged servicemember were received by the CFPB about Sentry Credit, 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 6 in 2023 to 9 in 2025.
What do servicemembers complain about most at Sentry Credit?
Debt collection accounts for 23 of the 28 complaints, and the most common issue is "Attempts to collect debt not owed" (9). Next: "Written notification about debt" (8).
Does Sentry Credit give money back when a servicemember complains?
0 of the 28 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 28 closed with an explanation only. Sentry Credit 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.