Debt collection
Torriere: 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
- 29
- Closed with money back
- 0
- 2023 to 2025
- 9 to 11
Torriere received 251 complaints from everyone in the window; 29 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Threatened to contact someone or share information improperly". 0 of the 29 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 9 in 2023 to 11 in 2025.
What the complaints are about
By product
| Debt collection | 24 |
| Credit card | 1 |
| Credit reporting or other personal consumer reports | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Payday loan, title loan, or personal loan | 1 |
By issue
| Threatened to contact someone or share information improperly | 8 |
| Attempts to collect debt not owed | 7 |
| Communication tactics | 6 |
| Struggling to pay your loan | 2 |
| Written notification about debt | 2 |
| 2023: 9 | 2024: 9 | 2025: 11 |
Which accounts, specifically
| I do not know | 17 |
| Payday loan debt | 8 |
| Other personal consumer report | 1 |
| Debt settlement | 1 |
| General-purpose credit card or charge card | 1 |
What went wrong, specifically
| Talked to a third-party about your debt | 7 |
| Debt is not yours | 5 |
| Used obscene, profane, or other abusive language | 3 |
| Debt was result of identity theft | 2 |
| Frequent or repeated calls | 2 |
Busiest month: April 2025, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from FL (6), CA (5), SC (4) , then AL, LA, AK.
How Torriere answered
| Closed with explanation | 29 |
Torriere 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 believes it acted appropriately as authorized by contract or law" (24). 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. OH, 2024-08-09. Outcome: Closed with explanation. Complaint 9775334
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Payday loan, title loan, personal loan, or advance loan; Struggling to pay your loan. AL, 2024-07-31. Outcome: Closed with explanation. Complaint 9670018
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Debt collection; Attempts to collect debt not owed. AL, 2024-06-30. Outcome: Closed with explanation. Complaint 9388907
If this is your problem at Torriere
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
- Healthcare Finance Direct 29 servicemember complaints; 1 with money back
- Law Office of Michael J. Scott, Pc 29 servicemember complaints; 0 with money back
- Shepherd Outsourcing 29 servicemember complaints; 0 with money back
- McCarthy, Burgess & Wolff 30 servicemember complaints; 0 with money back
- Adler Wallach & Associates 28 servicemember complaints; 0 with money back
Next in the directory by volume: Advance America, Cash Advance Centers, Gurstel Law Firm, P.c..
Frequently asked questions
How many complaints did servicemembers file against Torriere?
29 complaints tagged servicemember were received by the CFPB about Torriere Holdings 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 9 in 2023 to 11 in 2025.
What do servicemembers complain about most at Torriere?
Debt collection accounts for 24 of the 29 complaints, and the most common issue is "Threatened to contact someone or share information improperly" (8). Next: "Attempts to collect debt not owed" (7).
Does Torriere give money back when a servicemember complains?
0 of the 29 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 29 closed with an explanation only. Torriere 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.