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

Data updated July 2026

C

Grade C · 60.8/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Harpeth Financial Services, LLC ranks ahead of 45% of the 5,283 collectors PlainCollector grades - 55% keep a cleaner CFPB record, on 178 all-time complaints and a 98% timely-response rate.

45th pct
reputation rank of 5,283 graded collectors
178
CFPB complaints, all-time
98%
answered inside the CFPB window
51
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Harpeth Financial Services, LLC?

Harpeth Financial Services, LLC has accumulated 178 total CFPB complaints across 26 states, with 51 filed in the most recent 12 months against 127 historical complaints before that window. The trailing-12-month volume represents 28.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 98% timely-response rate against a 13% consumer-dispute-after-response rate.

Complaints have been recorded across 26 states, led by Tennessee with 82 and Texas with 14. Normalized against the full CFPB collector database, the reputation score of 60.8/100 places Harpeth Financial Services, LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

178

mid-volume (CCDB)

Last 12 months

51

28.7% of all-time complaints

Rising ↑

States active

26

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

13%

average (vertical avg ~19%)

Reputation grade

C

60.8/100 composite

How does Harpeth Financial Services, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

61 45th percentile higher than 45% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Harpeth Financial Services, LLC versus the debt-collection vertical average.

Timely response within SLA 98.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 12.5%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 46.4%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Harpeth Financial Serv… 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.

Complaint Trend (24 months)

2017-08 2017-08

Issue Detail Breakdown

Issue Sub-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

What to do if Harpeth Financial Services, LLC contacts you

A grade of C signals how Harpeth Financial Services, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Harpeth Financial Services, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Harpeth Financial Services, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 60.8/100), 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).

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

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.