This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 178 complaints

Harpeth Financial Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade C.

Complaints by issue type

What consumers report about Harpeth Financial Services, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record harpeth-financial-services-llc Harpeth Financial Services, LLC

Grade C · 178 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed

  • VOL 178
  • GRADE C
  • 12MO 51
  • STATES 26
  • TIMELY 98%
  • DISPUTE 13%
  • ISSUE Attempts to collect debt n…
  • RANK #599
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Fresno Credit Bureau (178 complaints)

Fresno Credit BureauFresno Credit Bureau178Investment Retrievers, Inc.Investment Retrievers, Inc.178Harpeth Financial Services, LLC (this)Harpeth Financial Services, …178APEX Asset Management, LLCAPEX Asset Management, LLC179Applied Data Finance, LLCApplied Data Finance, LLC179
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Harpeth Financial Services, LLC's 178 CFPB complaints sit next to Fresno Credit Bureau on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 178 complaints break down

Every complaint issue type on record for Harpeth Financial Services, LLC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
58.2/100
Harpeth Financial Services, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
178
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

46.1% of Harpeth Financial Services, LLC's CFPB filings land in Tennessee

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Tennessee 46.1%
82 of 178 filings · 26 states touched
Spike month
2017-08 100.0%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#599 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Harpeth Financial Services, LLC compare to its peers?

How does Harpeth Financial Services, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Harpeth Financial Services, LLC National average
Complaints (last 12 mo)lower is better
51
14
268
Timely-response ratehigher is better
98%
99%
91%
Consumer-dispute ratelower is better
13%
13%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Harpeth Financial Services, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 50%60%70%80%90%100%110% 10%15%20%25%30% Timely response rate (%) Dispute rate (%) Harpeth Financial Services, LLC vs. 9 similar-volume peers, by response speed and dispute rate Harpeth Financial Services, LLCFRESNO CREDIT BUREAUInvestment Retrievers, Inc.Thunderbird Collection Specialists, Inc.Oracle Financial Group LLC.RMS-Recovery Management Services, Inc.SUNTRUST BANKS, INC.Pollack & Rosen, P.A.Coast to Coast Financial Solutions, Inc.APEX Asset Management, LLC
Source: CFPB Consumer Complaint Database

Harpeth Financial Services, LLC's complaint volume in context

Harpeth Financial Services, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

178 Top 11% higher than 89% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). This entry sits in this band. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Harpeth Financial Services, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2017-08 2017-08

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
64
Took or threatened to take negative or legal action
33
Communication tactics
26
Written notification about debt
25
False statements or representation
21
Threatened to contact someone or share information improperly
3
Electronic communications
3
Disclosure verification of debt
1
Improper contact or sharing of info
1
Taking/threatening an illegal action
1

Where do complaints against Harpeth Financial Services, LLC come from?

Harpeth Financial Services, LLC's own per-state count, not a national baseline.

Top states by complaints against Harpeth Financial Services, LLC

Across 26 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Harpeth Financial Services, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 178.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.07692307692307%.

4 peers

Know your rights before responding to Harpeth Financial Services, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.