Debt collection
V and H Portfolio: 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
- 130
- Closed with money back
- 0%
- 2023 to 2025
- 29 to 64
Servicemembers filed 6.5% of V and H Portfolio's 1,997 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 29 in 2023 to 64 in 2025.
What the complaints are about
By product
| Debt collection | 93 |
| Credit reporting or other personal consumer reports | 27 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Payday loan, title loan, personal loan, or advance loan | 4 |
| Credit card | 1 |
By issue
| Attempts to collect debt not owed | 45 |
| Written notification about debt | 23 |
| Incorrect information on your report | 20 |
| False statements or representation | 16 |
| Problem with a company's investigation into an existing problem | 8 |
| 2023: 29 | 2024: 37 | 2025: 64 |
Which accounts, specifically
| I do not know | 51 |
| Credit reporting | 34 |
| Other debt | 27 |
| Payday loan debt | 13 |
| Credit card debt | 6 |
What went wrong, specifically
| Debt is not yours | 27 |
| Attempted to collect wrong amount | 16 |
| Didn't receive notice of right to dispute | 15 |
| Information belongs to someone else | 12 |
| Their investigation did not fix an error on your report | 10 |
Busiest month: February 2025, with 9 servicemember complaints. Most were submitted by web.
Most complaints came from TX (35), FL (17), CA (16) , then MI, OH, GA.
How V and H Portfolio answered
| Closed with explanation | 130 | 100% |
V and H Portfolio 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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Payday loan, title loan, personal loan, or advance loan; Charged fees or interest you didn't expect. KY, 2024-09-03. Outcome: Closed with explanation. Complaint 9998430
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Credit reporting or other personal consumer reports; Incorrect information on your report. MI, 2024-08-31. Outcome: Closed with explanation. Complaint 9987831
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Credit reporting or other personal consumer reports; Incorrect information on your report. MI, 2024-08-31. Outcome: Closed with explanation. Complaint 9987828
If this is your problem at V and H Portfolio
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
- The Cbe 131 servicemember complaints; 0% with money back
- Eastern Account Systems of Connecticut 128 servicemember complaints; 0% with money back
- Cavalry Investments 134 servicemember complaints; 0% with money back
- Sequium Asset Solutions 135 servicemember complaints; 0% with money back
- Harris & Harris 137 servicemember complaints; 0% with money back
Next in the directory by volume: Fay Servicing, Selene.
Frequently asked questions
How many complaints did servicemembers file against V and H Portfolio?
130 complaints tagged servicemember were received by the CFPB about V and H Portfolio 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 29 in 2023 to 64 in 2025.
What do servicemembers complain about most at V and H Portfolio?
Debt collection accounts for 93 of the 130 complaints, and the most common issue is "Attempts to collect debt not owed" (45). Next: "Written notification about debt" (23).
Does V and H Portfolio 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 130 closed with an explanation only. V and H Portfolio 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.