Personal, payday and title loans
Skopos Financial: 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
- 3 to 18
Skopos Financial received 261 complaints from everyone in the window; 28 carried the servicemember tag. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Charged fees or interest you didn't expect". 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 3 in 2023 to 18 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 14 |
| Credit reporting or other personal consumer reports | 10 |
| Vehicle loan or lease | 2 |
| Debt collection | 1 |
| Payday loan, title loan, or personal loan | 1 |
By issue
| Charged fees or interest you didn't expect | 5 |
| Improper use of your report | 4 |
| Incorrect information on your report | 4 |
| Getting a line of credit | 2 |
| Attempts to collect debt not owed | 1 |
| 2023: 3 | 2024: 7 | 2025: 18 |
Which accounts, specifically
| Credit reporting | 10 |
| Installment loan | 8 |
| Title loan | 4 |
| Loan | 4 |
| Personal line of credit | 2 |
What went wrong, specifically
| Credit inquiries on your report that you don't recognize | 3 |
| Information belongs to someone else | 2 |
| Debt was result of identity theft | 1 |
| Loan balance remaining after the vehicle is repossessed and sold | 1 |
| Company communicating payment assistance or payment extension options | 1 |
Busiest month: November 2025, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from CA (4), TX (4), GA (3) , then IL, AZ, FL.
How Skopos Financial answered
| Closed with explanation | 28 |
Skopos Financial responded within the CFPB's 15-day window on 89% 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" (21). 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.
-
""
Payday loan, title loan, personal loan, or advance loan; Getting the loan. TN, 2023-12-09. Outcome: Closed with explanation. Complaint 7974597
-
""
Payday loan, title loan, personal loan, or advance loan; Struggling to pay your loan. MO, 2023-09-04. Outcome: Closed with explanation. Complaint 7498699
-
""
Payday loan, title loan, or personal loan; Getting a line of credit. AL, 2023-06-08. Outcome: Closed with explanation. Complaint 7090260
If this is your problem at Skopos Financial
"Charged fees or interest you didn't expect" is the kind of dispute the SCRA's 6% cap settles for pre-service debt: 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 personal, payday and title loans peers
- Bankers Healthcare 30 servicemember complaints; 0 with money back
- Harpeth Financial Services 25 servicemember complaints; 0 with money back
- Duvera Billing Services 33 servicemember complaints; 0 with money back
- Sunlight Financial 33 servicemember complaints; 0 with money back
- Sop Pioneer Partners 43 servicemember complaints; 0 with money back
Next in the directory by volume: American Financial Network, CULLEN/FROST Bankers, DriveTime.
Frequently asked questions
How many complaints did servicemembers file against Skopos Financial?
28 complaints tagged servicemember were received by the CFPB about Skopos Financial, 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 3 in 2023 to 18 in 2025.
What do servicemembers complain about most at Skopos Financial?
Payday loan, title loan, personal loan, or advance loan accounts for 14 of the 28 complaints, and the most common issue is "Charged fees or interest you didn't expect" (5). Next: "Improper use of your report" (4).
Does Skopos Financial 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. Skopos Financial answered 89% 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.