Total CFPB complaints
158
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 158 complaints
HEARTLAND PAYMENT SYSTEMS INC — Debt Collector Complaint Profile
CFPB complaint profile across 34 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about HEARTLAND PAYMENT SYSTEMS INC
- Attempts to collect debt not owed
Attempts to collect debt not owed
52 complaints
- Written notification about debt
Written notification about debt
32 complaints
- False statements or representation
False statements or representation
28 complaints
- Took or threatened to take negative or legal action 12
Took or threatened to take negative or legal action
12 complaints
- Cont'd attempts collect debt not owed 10
Cont'd attempts collect debt not owed
10 complaints
D
Grade D · 58.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about HEARTLAND PAYMENT SYSTEMS INC?
HEARTLAND PAYMENT SYSTEMS INC has accumulated 158 total CFPB complaints across 34 states, with 17 filed in the most recent 12 months against 141 historical complaints before that window. The trailing-12-month volume represents 10.8% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% 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 34 states, led by Pennsylvania with 14 and New York with 14, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.0/100 places HEARTLAND PAYMENT SYSTEMS INC 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
17
10.8% of total history
Rising ↑
States active
34
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
58.0/100 composite
Response-quality profile
How HEARTLAND PAYMENT SYSTEMS INC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 34.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 60.7%
Share of US states + territories with at least one filed complaint against this collector.
How does HEARTLAND PAYMENT SYSTEMS INC compare to its peers?
HEARTLAND PAYMENT SYST… 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)
2023-04 2026-02
Top Consumer Issues
False statements or representation28 (%)
Attempts to collect debt not owed52 (%)
Written notification about debt32 (%)
Took or threatened to take negative or legal action12 (%)
Cont'd attempts collect debt not owed10 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 28 |
| Attempts to collect debt not owed | Debt was paid | 22 |
| Written notification about debt | Didn't receive enough information to verify debt | 20 |
| Attempts to collect debt not owed | Debt is not yours | 17 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 12 |
| Written notification about debt | Didn't receive notice of right to dispute | 12 |
| Attempts to collect debt not owed | Debt was result of identity theft | 8 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 5 |
Where do complaints against HEARTLAND PAYMENT SYSTEMS INC come from?
The states where consumers have filed the most CFPB complaints against HEARTLAND PAYMENT SYSTEMS INC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against HEARTLAND PAYMENT SYSTEMS INC
Across 34 states with at least one filing
- Pennsylvania
Pennsylvania
14 complaints
- New York
New York
14 complaints
- New Jersey
New Jersey
12 complaints
- Florida
Florida
11 complaints
- California
California
11 complaints
- Texas
Texas
11 complaints
- Ohio
Ohio
9 complaints
- Illinois
Illinois
8 complaints
Frequently Asked Questions
What is the most common complaint against HEARTLAND PAYMENT SYSTEMS INC? ▼
The most common issue consumers report about HEARTLAND PAYMENT SYSTEMS INC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 158 complaints filed with the CFPB.
Are complaints against HEARTLAND PAYMENT SYSTEMS INC increasing or decreasing? ▼
Complaints against HEARTLAND PAYMENT SYSTEMS INC are rising. The company received 17 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is HEARTLAND PAYMENT SYSTEMS INC's reputation grade? ▼
HEARTLAND PAYMENT SYSTEMS INC has a reputation grade of D (score: 58.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 Pennsylvania (14 complaints).
What can I do if HEARTLAND PAYMENT SYSTEMS INC 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 HEARTLAND PAYMENT SYSTEMS INC 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 |