What is the most common complaint against Heartland Payment Systems Inc?

The most common issue consumers report about Heartland Payment Systems Inc is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 159 complaints filed with the CFPB.

Are complaints against Heartland Payment Systems Inc increasing or decreasing?

Complaints against Heartland Payment Systems Inc are falling. The company received 16 complaints in the last 12 months, showing improvement over prior periods.

What is Heartland Payment Systems Inc's reputation grade?

Heartland Payment Systems Inc has a reputation grade of D (score: 54.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Heartland Payment Systems Inc respond to consumer complaints?

Heartland Payment Systems Inc has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Heartland Payment Systems Inc operate?

Heartland Payment Systems Inc has received CFPB complaints from consumers in 34 states, with the most complaints from New York (14 complaints).

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

Heartland Payment Systems Inc - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

52
Written notification about debt

33
False statements or representation

33
Took or threatened to take negative or legal action

13
Cont'd attempts collect debt not owed

12
Communication tactics

8

Data updated September 2026

CFPB complaint disposition

CCDB record heartland-payment-systems-inc Heartland Payment Systems Inc

Grade D · 159 CFPB filings · 94% timely · lead issue: Attempts to collect debt not owed · vol #635 · compose #3413

VOL 159
GRADE D
12MO 16
STATES 34
TIMELY 94%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #635
COMPOSE #3,413

Volume peers

Nearest volume peer: Debt Co LLC (159 complaints)

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

Heartland Payment Systems Inc's 159 CFPB complaints sit next to Debt Co LLC 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 →

Distributed filing map

Heartland Payment Systems Inc spreads filings across 34 states - New York leads at only 8.8%

Despite a broad state map, Heartland Payment Systems Inc still sits volume #635 against composite #3,413 - the two RankMaps diverge by 2,778 places. Corpus placement method.

Most-even geography: Lead state under 15%; New York still leads at 8.8% across 34 states
Seasonal peak: 2025-12 11.2%; 8–15% band · 10 filings
Divergent corpus ranks: #635 volume; #3,413 composite; Cleanest-composite ladder is 2,778 places worse than volume

How does Heartland Payment Systems Inc compare to its peers?

How does HEARTLAND PAYMENT SYSTEMS INC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

HEARTLAND PAYMENT SYST… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

94%

100%

91%

Consumer-dispute ratelower is better

17%

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	52
Written notification about debt	33
False statements or representation	33
Took or threatened to take negative or legal action	13
Cont'd attempts collect debt not owed	12
Communication tactics	8
Disclosure verification of debt	3
Electronic communications	3
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against Heartland Payment Systems Inc come from?

Heartland Payment Systems Inc's own per-state count, not a national baseline.

New York

14
Pennsylvania

14
California

12
New Jersey

12
Florida

11
Texas

10
Ohio

9
Illinois

8

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Heartland Payment Systems Inc: 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: 159.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 93.67088607594937%.

4 peers

Know your rights before responding to Heartland Payment Systems Inc: 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.