What is the most common complaint against Harpeth Financial Services, LLC?

The most common issue consumers report about Harpeth Financial Services, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 178 complaints filed with the CFPB.

Are complaints against Harpeth Financial Services, LLC increasing or decreasing?

Complaints against Harpeth Financial Services, LLC are rising. The company received 51 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Harpeth Financial Services, LLC's reputation grade?

Harpeth Financial Services, LLC has a reputation grade of C (score: 58.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Harpeth Financial Services, LLC respond to consumer complaints?

Harpeth Financial Services, LLC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Harpeth Financial Services, LLC operate?

Harpeth Financial Services, LLC has received CFPB complaints from consumers in 26 states, with the most complaints from Tennessee (82 complaints).

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

Harpeth Financial Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade C.

Compiled by PlainCollector

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

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 #599 · compose #2645

VOL 178
GRADE C
12MO 51
STATES 26
TIMELY 98%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #599
COMPOSE #2,645

Volume peers

Nearest volume peer: Fresno Credit Bureau (178 complaints)

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Harpeth Financial Services, LLC is volume #599 but composite #2,645, while Tennessee dominates the geography. 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)
Divergent corpus ranks: #599 volume; #2,645 composite; Cleanest-composite ladder is 2,046 places worse than volume

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 Serv… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

99%

91%

Consumer-dispute ratelower is better

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Tennessee

82
Texas

14
Florida

12
Missouri

12
Virginia

6
Wisconsin

6
Georgia

5
Idaho

5

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.