Debt collection
W&a: 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
- 221
- Closed with money back
- 0%
- 2023 to 2025
- 68 to 87
Servicemembers filed 6.2% of W&a's 3,546 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 68 in 2023 to 87 in 2025.
What the complaints are about
By product
| Debt collection | 190 |
| Credit reporting or other personal consumer reports | 22 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
By issue
| Attempts to collect debt not owed | 90 |
| Written notification about debt | 37 |
| False statements or representation | 24 |
| Took or threatened to take negative or legal action | 21 |
| Improper use of your report | 12 |
| 2023: 68 | 2024: 66 | 2025: 87 |
Which accounts, specifically
| Medical debt | 146 |
| I do not know | 45 |
| Credit reporting | 33 |
| Other debt | 4 |
| Credit card debt | 4 |
What went wrong, specifically
| Debt is not yours | 53 |
| Didn't receive enough information to verify debt | 25 |
| Debt was paid | 24 |
| Attempted to collect wrong amount | 20 |
| Threatened or suggested your credit would be damaged | 19 |
Busiest month: April 2025, with 14 servicemember complaints. Most were submitted by web.
Most complaints came from TX (29), GA (28), TN (26) , then FL, AL, SC.
How W&a answered
| Closed with explanation | 144 | 65% |
| Closed with non-monetary relief | 76 | 34% |
| Closed with monetary relief | 1 | 0% |
W&a responded within the CFPB's 15-day window on 94% 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; Communication tactics. TX, 2024-08-25. Outcome: Closed with explanation. Complaint 9923580
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Credit reporting or other personal consumer reports; Improper use of your report. MN, 2024-08-23. Outcome: Closed with explanation. Complaint 9899382
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Debt collection; Took or threatened to take negative or legal action. FL, 2024-08-20. Outcome: Closed with explanation. Complaint 9862910
If this is your problem at W&a
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
- Southwest Credit Systems 213 servicemember complaints; 0% with money back
- National Credit Adjusters 230 servicemember complaints; 0% with money back
- Sunrise Credit Services 230 servicemember complaints; 0% with money back
- ProCollect 245 servicemember complaints; 0% with money back
- Ncb Management Services 199 servicemember complaints; 0% with money back
Next in the directory by volume: Select Portfolio Servicing, Corelogic.
Frequently asked questions
How many complaints did servicemembers file against W&a?
221 complaints tagged servicemember were received by the CFPB about W&A Intermediate Co., 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 68 in 2023 to 87 in 2025.
What do servicemembers complain about most at W&a?
Debt collection accounts for 190 of the 221 complaints, and the most common issue is "Attempts to collect debt not owed" (90). Next: "Written notification about debt" (37).
Does W&a give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 76 closed with non-monetary relief and 144 closed with an explanation only. W&a answered 94% 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.