What is the most common complaint against Heritage Financial Group, Inc.?

The most common issue consumers report about Heritage Financial Group, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 26 complaints filed with the CFPB.

Are complaints against Heritage Financial Group, Inc. increasing or decreasing?

Complaints against Heritage Financial Group, Inc. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Heritage Financial Group, Inc.'s reputation grade?

Heritage Financial Group, Inc. has a reputation grade of B (score: 68.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Heritage Financial Group, Inc. respond to consumer complaints?

Heritage Financial Group, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Heritage Financial Group, Inc. operate?

Heritage Financial Group, Inc. has received CFPB complaints from consumers in 6 states, with the most complaints from Illinois (8 complaints).

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

Heritage Financial Group, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

15
Communication tactics

4
Took or threatened to take negative or legal action

3
Written notification about debt

1
False statements or representation

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record heritage-financial-group-inc Heritage Financial Group, Inc.

Grade B · 26 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1665 · compose #1430

VOL 26
GRADE B
12MO 3
STATES 6
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,665
COMPOSE #1,430

Volume peers

Nearest volume peer: Accelerated Collection Service, Inc (26 complaints)

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

Heritage Financial Group, Inc.'s 26 CFPB complaints sit next to Accelerated Collection Service, Inc 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 →

State-heavy filing map

30.8% of Heritage Financial Group, Inc.'s CFPB filings land in Illinois

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Illinois 30.8%; 8 of 26 filings · 6 states touched
Seasonal peak: 2014-11 10.0%; 8–15% band · 1 filings
Corpus ranks: #1,665 volume; #1,430 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Heritage Financial Group, Inc. compare to its peers?

How does Heritage Financial Group, 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

Heritage Financial Gro… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

77%

91%

Consumer-dispute ratelower is better

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	15
Communication tactics	4
Took or threatened to take negative or legal action	3
Written notification about debt	1
False statements or representation	1
Threatened to contact someone or share information improperly	1
Taking/threatening an illegal action	1

Where do complaints against Heritage Financial Group, Inc. come from?

Heritage Financial Group, Inc.'s own per-state count, not a national baseline.

Illinois

8
Indiana

8
Ohio

5
Texas

3
Georgia

1
Michigan

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Heritage Financial Group, 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: 26.

4 peers

Know your rights before responding to Heritage Financial Group, 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.