Debt collection
TrueAccord: 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
- 176
- Closed with money back
- 0%
- 2023 to 2025
- 28 to 105
Servicemembers filed 6% of TrueAccord's 2,945 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 28 in 2023 to 105 in 2025.
What the complaints are about
By product
| Debt collection | 138 |
| Credit reporting or other personal consumer reports | 28 |
| Debt or credit management | 4 |
| Credit card | 3 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
By issue
| Attempts to collect debt not owed | 66 |
| Electronic communications | 22 |
| Written notification about debt | 21 |
| Incorrect information on your report | 19 |
| False statements or representation | 17 |
| 2023: 28 | 2024: 43 | 2025: 105 |
Which accounts, specifically
| I do not know | 53 |
| Telecommunications debt | 43 |
| Credit reporting | 31 |
| Credit card debt | 23 |
| Other debt | 18 |
What went wrong, specifically
| Debt is not yours | 41 |
| Attempted to collect wrong amount | 17 |
| Debt was result of identity theft | 16 |
| Frequent or repeated messages | 14 |
| Debt was paid | 11 |
Busiest month: November 2025, with 14 servicemember complaints. Most were submitted by web.
Most complaints came from TX (25), FL (16), GA (16) , then CA, AL, NV.
How TrueAccord answered
| Closed with explanation | 176 | 100% |
TrueAccord responded within the CFPB's 15-day window on 99% 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" (55). 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; Electronic communications. TX, 2024-08-29. Outcome: Closed with explanation. Complaint 9984789
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Debt collection; Communication tactics. CO, 2024-08-10. Outcome: Closed with explanation. Complaint 9777365
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Debt collection; Electronic communications. GA, 2024-07-28. Outcome: Closed with explanation. Complaint 9636046
If this is your problem at TrueAccord
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
- Amsher Collection Services 181 servicemember complaints; 0% with money back
- Fair Collections & Outsourcing 184 servicemember complaints; 0% with money back
- Velocity Portfolio 168 servicemember complaints; 0% with money back
- Aldous & Associates 163 servicemember complaints; 0% with money back
- Ncb Management Services 199 servicemember complaints; 0% with money back
Next in the directory by volume: Village Capital & Investment, Fc HoldCo, CarMax.
Frequently asked questions
How many complaints did servicemembers file against TrueAccord?
176 complaints tagged servicemember were received by the CFPB about TrueAccord Corp. 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 28 in 2023 to 105 in 2025.
What do servicemembers complain about most at TrueAccord?
Debt collection accounts for 138 of the 176 complaints, and the most common issue is "Attempts to collect debt not owed" (66). Next: "Electronic communications" (22).
Does TrueAccord 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 176 closed with an explanation only. TrueAccord answered 99% 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.