Total CFPB complaints
628
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 628 complaints
Harvard Collections, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 40 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Harvard Collections, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
236 complaints
- Written notification about debt
Written notification about debt
96 complaints
- Cont'd attempts collect debt not owed 81
Cont'd attempts collect debt not owed
81 complaints
- False statements or representation 43
False statements or representation
43 complaints
- Disclosure verification of debt 32
Disclosure verification of debt
32 complaints
- Took or threatened to take negative or legal action 27
Took or threatened to take negative or legal action
27 complaints
D
Grade D · 52.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Harvard Collections, LLC?
Harvard Collections, LLC has accumulated 628 total CFPB complaints across 40 states, with 69 filed in the most recent 12 months against 559 historical complaints before that window. The trailing-12-month volume represents 11.0% 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 88% timely-response rate against a 21% 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 40 states, led by Illinois with 153 and Florida with 85, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.3/100 places Harvard Collections, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
69
11.0% of total history
Rising ↑
States active
40
Distinct state filings
Timely response rate
88%
Within CFPB SLA window
Consumer disputes
21%
After company response
Reputation grade
D
52.3/100 composite
Response-quality profile
How Harvard Collections, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 88.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 41.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 71.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Harvard Collections, LLC compare to its peers?
Harvard Collections, L… 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 owed236 (%)
Written notification about debt96 (%)
Cont'd attempts collect debt not owed81 (%)
False statements or representation43 (%)
Disclosure verification of debt32 (%)
Took or threatened to take negative or legal action27 (%)
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 | 141 |
| Written notification about debt | Didn't receive enough information to verify debt | 63 |
| Attempts to collect debt not owed | Debt was result of identity theft | 61 |
| Cont'd attempts collect debt not owed | Debt is not mine | 52 |
| False statements or representation | Attempted to collect wrong amount | 43 |
| Attempts to collect debt not owed | Debt was paid | 34 |
| Written notification about debt | Didn't receive notice of right to dispute | 33 |
| Disclosure verification of debt | Not given enough info to verify debt | 32 |
| Cont'd attempts collect debt not owed | Debt was paid | 29 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 27 |
Where do complaints against Harvard Collections, LLC come from?
The states where consumers have filed the most CFPB complaints against Harvard Collections, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Harvard Collections, LLC
Across 40 states with at least one filing
- Illinois
Illinois
153 complaints
- Florida
Florida
85 complaints
- Texas
Texas
72 complaints
- New York
New York
63 complaints
- Georgia 27
Georgia
27 complaints
- California 20
California
20 complaints
- Indiana 20
Indiana
20 complaints
- Arizona 18
Arizona
18 complaints
Frequently Asked Questions
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 628 complaints filed with the CFPB.
Are complaints against Harvard Collections, LLC increasing or decreasing? ▼
Complaints against Harvard Collections, LLC are rising. The company received 69 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Harvard Collections, LLC's reputation grade? ▼
Harvard Collections, LLC has a reputation grade of D (score: 52.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (153 complaints).
What can I do if Harvard Collections, 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 Harvard Collections, 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 |