Debt collection
Waypoint Resource: 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
- 46
- Closed with money back
- 0
- 2023 to 2025
- 23 to 7
Waypoint Resource received 761 complaints from everyone in the window; 46 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 46 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 fell from 23 in 2023 to 7 in 2025.
What the complaints are about
By product
| Debt collection | 33 |
| Credit reporting or other personal consumer reports | 9 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
By issue
| Attempts to collect debt not owed | 17 |
| Incorrect information on your report | 9 |
| Written notification about debt | 8 |
| Problem with a company's investigation into an existing problem | 4 |
| Communication tactics | 3 |
| 2023: 23 | 2024: 16 | 2025: 7 |
Which accounts, specifically
| Telecommunications debt | 18 |
| Credit reporting | 13 |
| Other debt | 11 |
| I do not know | 6 |
| Debt settlement | 1 |
What went wrong, specifically
| Debt is not yours | 11 |
| Debt was result of identity theft | 6 |
| Information belongs to someone else | 6 |
| Didn't receive enough information to verify debt | 5 |
| Debt was paid | 4 |
Busiest month: April 2023, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from TX (8), CA (5), CO (4) , then FL, MN, VA.
How Waypoint Resource answered
| Closed with explanation | 46 |
Waypoint Resource responded within the CFPB's 15-day window on 96% 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" (42). 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; Written notification about debt. NV, 2024-08-20. Outcome: Closed with explanation. Complaint 9861518
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Debt collection; Took or threatened to take negative or legal action. IL, 2024-07-30. Outcome: Closed with explanation. Complaint 9657164
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Credit reporting or other personal consumer reports; Incorrect information on your report. GA, 2024-06-13. Outcome: Closed with explanation. Complaint 9255542
If this is your problem at Waypoint Resource
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
- Penn Credit 47 servicemember complaints; 0 with money back
- Zwicker & Associates 45 servicemember complaints; 0 with money back
- Contract Callers 44 servicemember complaints; 0 with money back
- Southwest Recovery Services 44 servicemember complaints; 0 with money back
- Hsbc North America 50 servicemember complaints; 1 with money back
Next in the directory by volume: Central Research.
Frequently asked questions
How many complaints did servicemembers file against Waypoint Resource?
46 complaints tagged servicemember were received by the CFPB about Waypoint Resource Group, 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 fell from 23 in 2023 to 7 in 2025.
What do servicemembers complain about most at Waypoint Resource?
Debt collection accounts for 33 of the 46 complaints, and the most common issue is "Attempts to collect debt not owed" (17). Next: "Incorrect information on your report" (9).
Does Waypoint Resource give money back when a servicemember complains?
0 of the 46 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 46 closed with an explanation only. Waypoint Resource answered 96% 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.