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

CFPB complaint data Grade D 644 complaints

Harvard Collections, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade D.

Complaints by issue type

What consumers report about Harvard Collections, LLC

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

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 #412

  • VOL 644
  • GRADE D
  • 12MO 73
  • STATES 40
  • TIMELY 88%
  • DISPUTE 21%
  • ISSUE Attempts to collect debt n…
  • RANK #218
  • COMPOSE #412

Volume peers

Nearest volume peer: Regional Management Corporation (645 complaints)

Northstar Location Services, LLCNorthstar Location Services,…641Hovg, LLCHovg, LLC642Harvard Collections, LLC (this)Harvard Collections, LLC (th…644Regional Management CorporationRegional Management Corporat…645Professional Finance Company, Inc.Professional Finance Company…646
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 →

How the 644 complaints break down

Every complaint issue type on record for Harvard Collections, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.1/100
Harvard Collections, 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
644
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
88%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
21%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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)
Corpus ranks
#218 volume
#412 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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, LLC National average
Complaints (last 12 mo)lower is better
73
191
268
Timely-response ratehigher is better
88%
98%
91%
Consumer-dispute ratelower is better
21%
12%
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 Harvard Collections, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 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 70%80%90%100%110% 10%12%14%16%18%20%22% Timely response rate (%) Dispute rate (%) Harvard Collections, LLC vs. 10 similar-volume peers, by response speed and dispute rate Harvard Collections, LLCRegional Management CorporationHOVG, LLCProfessional Finance Company, Inc.Northstar Location Services, LLCECMC GROUP, INC.FIFTH THIRD FINANCIAL CORPORATIONAMCOL Systems, Inc.Reliant Capital Solutions, LLCCapital Management Services, LPGlobal Lending Services LLC
Source: CFPB Consumer Complaint Database

Harvard Collections, LLC's complaint volume in context

Harvard Collections, 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)

644 Top 4% higher than 96% 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%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Harvard Collections, 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)

Falling ↓
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.

Top states by complaints against Harvard Collections, LLC

Across 40 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 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.