Total CFPB complaints
11
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 11 complaints
Harvest Credit Management VII, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Harvest Credit Management VII, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
2 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
1 complaints
- Communication tactics
Communication tactics
1 complaints
- Charged upfront or unexpected fees
Charged upfront or unexpected fees
1 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
B
Grade B · 73.7/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Harvest Credit Management VII, LLC?
Harvest Credit Management VII, LLC has accumulated 11 total CFPB complaints across 9 states, with 2 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 18.2% 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 "Improper contact or sharing of info", narrowing to "Talked to a third party about my debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 17% 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 9 states, led by California with 2 and Texas with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 73.7/100 places Harvest Credit Management VII, LLC in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
18.2% of total history
Rising ↑
States active
9
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
B
73.7/100 composite
Response-quality profile
How Harvest Credit Management VII, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Harvest Credit Management VII, LLC compare to its peers?
Harvest Credit Managem… 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)
2014-10 2025-12
Top Consumer Issues
Improper contact or sharing of info1 (%)
Attempts to collect debt not owed2 (%)
Communication tactics1 (%)
Taking/threatening an illegal action2 (%)
Charged upfront or unexpected fees1 (%)
Cont'd attempts collect debt not owed1 (%)
Threatened to contact someone or share information improperly1 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Improper contact or sharing of info — Talked to a third party about my debt
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 |
|---|---|---|
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
| Charged upfront or unexpected fees | — | 1 |
| Taking/threatening an illegal action | Sued where didn't live/sign for debt | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
Where do complaints against Harvest Credit Management VII, LLC come from?
The states where consumers have filed the most CFPB complaints against Harvest Credit Management VII, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Harvest Credit Management VII, LLC
Across 9 states with at least one filing
- California
California
2 complaints
- Texas
Texas
2 complaints
- Oregon
Oregon
1 complaints
- Colorado
Colorado
1 complaints
- New Jersey
New Jersey
1 complaints
- Idaho
Idaho
1 complaints
- Maryland
Maryland
1 complaints
- Connecticut
Connecticut
1 complaints
Frequently Asked Questions
What is the most common complaint against Harvest Credit Management VII, LLC? ▼
The most common issue consumers report about Harvest Credit Management VII, LLC is "Improper contact or sharing of info", specifically "Talked to a third party about my debt". This is based on 11 complaints filed with the CFPB.
Are complaints against Harvest Credit Management VII, LLC increasing or decreasing? ▼
Complaints against Harvest Credit Management VII, LLC are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Harvest Credit Management VII, LLC's reputation grade? ▼
Harvest Credit Management VII, LLC has a reputation grade of B (score: 73.7/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Harvest Credit Management VII, LLC respond to consumer complaints? ▼
Harvest Credit Management VII, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does Harvest Credit Management VII, LLC operate? ▼
Harvest Credit Management VII, LLC has received CFPB complaints from consumers in 9 states, with the most complaints from California (2 complaints).
What can I do if Harvest Credit Management VII, 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 Harvest Credit Management VII, 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 |