CINCINNATI (AP) - A federal agency says an Ohio-based lender that primarily loans money to active-duty and former military service members to buy vehicles engaged in illegal debt collection practices and must pay more than $3 million.

CINCINNATI (AP) A federal agency says an Ohio-based lender that primarily loans money to active-duty and former military service members to buy vehicles engaged in illegal debt collection practices and must pay more than $3 million.

The Consumer Financial Protection Bureau says Security National Automotive Acceptance Company under an administrative order must refund or credit about $2.28 million to service members and other consumers allegedly harmed. The company, which is based in the Cincinnati suburb of Mason, also must pay a $1 million penalty.

A company statement says it admitted no wrongdoing but agreed to the settlement in an effort to move forward.

The bureau says a separate court order bans the lender from aggressive tactics such as deception and threats to contact commanding officers, to coerce service members into making payments.