What is the most common complaint against Harvard Collections, LLC?

The most common issue consumers report about Harvard Collections, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 644 complaints filed with the CFPB.

Are complaints against Harvard Collections, LLC increasing or decreasing?

Complaints against Harvard Collections, LLC are falling. The company received 73 complaints in the last 12 months, showing improvement over prior periods.

What is Harvard Collections, LLC's reputation grade?

Harvard Collections, LLC has a reputation grade of D (score: 49.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Harvard Collections, LLC respond to consumer complaints?

Harvard Collections, LLC has a 88% timely response rate to CFPB complaints. Consumers disputed the company's response in 21% of cases.

In how many states does Harvard Collections, LLC operate?

Harvard Collections, LLC has received CFPB complaints from consumers in 40 states, with the most complaints from Illinois (161 complaints).

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

Harvard Collections, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

257
Written notification about debt

100
Cont'd attempts collect debt not owed

86
False statements or representation

61
Disclosure verification of debt

50
Communication tactics

36

Data updated September 2026

CFPB complaint disposition

CCDB record harvard-collections-llc Harvard Collections, LLC

Grade D · 644 CFPB filings · 88% timely · lead issue: Attempts to collect debt not owed · vol #218 · compose #4221

VOL 644
GRADE D
12MO 73
STATES 40
TIMELY 88%
DISPUTE 21%
ISSUE Attempts to collect debt n…
RANK #218
COMPOSE #4,221

Volume peers

Nearest volume peer: Regional Management Corporation (645 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Harvard Collections, LLC's 644 CFPB complaints sit next to Regional Management Corporation 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 →

Steady monthly series

Illinois is the plurality state for Harvard Collections, LLC (25.0%)

Volume rank #218 and composite rank #4,221 diverge by 4,003 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Illinois 25.0%; Mid-band (15–30%) · 40 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2025-07 at 7.0% (155 filings)
Divergent corpus ranks: #218 volume; #4,221 composite; Cleanest-composite ladder is 4,003 places worse than volume

How does Harvard Collections, LLC compare to its peers?

How does Harvard Collections, 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

Harvard Collections, L… National average

Complaints (last 12 mo)lower is better

191

268

Timely-response ratehigher is better

88%

98%

91%

Consumer-dispute ratelower is better

21%

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	257
Written notification about debt	100
Cont'd attempts collect debt not owed	86
False statements or representation	61
Disclosure verification of debt	50
Communication tactics	36
Took or threatened to take negative or legal action	35
Improper contact or sharing of info	12
Taking/threatening an illegal action	4
Electronic communications	2

Where do complaints against Harvard Collections, LLC come from?

Harvard Collections, LLC's own per-state count, not a national baseline.

Illinois

161
Florida

86
Texas

75
New York

63
Georgia

28
California

21
Indiana

20
Arizona

18

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Harvard Collections, 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: 644.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 88.37579617834395%.

4 peers

Know your rights before responding to Harvard Collections, 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.