Total CFPB complaints
156
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 156 complaints
Harpeth Financial Services, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Harpeth Financial Services, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
53 complaints
- Written notification about debt 21
Written notification about debt
21 complaints
- Communication tactics 18
Communication tactics
18 complaints
- Took or threatened to take negative or legal action 17
Took or threatened to take negative or legal action
17 complaints
- False statements or representation 16
False statements or representation
16 complaints
C
Grade C · 60.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Harpeth Financial Services, LLC?
Harpeth Financial Services, LLC has accumulated 156 total CFPB complaints across 25 states, with 38 filed in the most recent 12 months against 118 historical complaints before that window. The trailing-12-month volume represents 24.4% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 13% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 25 states, led by Tennessee with 77 and Missouri with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.8/100 places Harpeth Financial Services, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
38
24.4% of total history
Rising ↑
States active
25
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
C
60.8/100 composite
Response-quality profile
How Harpeth Financial Services, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 25.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 44.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Harpeth Financial Services, LLC compare to its peers?
Harpeth Financial Serv… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed53 (%)
False statements or representation16 (%)
Communication tactics18 (%)
Written notification about debt21 (%)
Took or threatened to take negative or legal action17 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 28 |
| False statements or representation | Attempted to collect wrong amount | 16 |
| Attempts to collect debt not owed | Debt was result of identity theft | 15 |
| Communication tactics | Frequent or repeated calls | 12 |
| Written notification about debt | Didn't receive enough information to verify debt | 11 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Written notification about debt | Didn't receive notice of right to dispute | 10 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 9 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 8 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 6 |
Where do complaints against Harpeth Financial Services, LLC come from?
The states where consumers have filed the most CFPB complaints against Harpeth Financial Services, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Harpeth Financial Services, LLC
Across 25 states with at least one filing
- Tennessee
Tennessee
77 complaints
- Missouri 11
Missouri
11 complaints
- Texas 11
Texas
11 complaints
- Florida 8
Florida
8 complaints
- Wisconsin 6
Wisconsin
6 complaints
- Virginia 6
Virginia
6 complaints
- Georgia 5
Georgia
5 complaints
- Idaho 4
Idaho
4 complaints
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 156 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 38 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). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 25 states, with the most complaints from Tennessee (77 complaints).
What can I do if Harpeth Financial Services, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Harpeth Financial Services, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |