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

CFPB complaint data Grade B 26 complaints

Heritage Financial Group, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade B.

Complaints by issue type

What consumers report about Heritage Financial Group, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 26
  • GRADE B
  • 12MO 3
  • STATES 6
  • TIMELY 100%
  • DISPUTE 0%
  • ISSUE Attempts to collect debt n…
  • RANK #1,665
  • COMPOSE Not ranked

Volume peers

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

Accelerated Collection Service, IncAccelerated Collection Servi…26Allied Consulting Services LLCAllied Consulting Services L…26BRite Financial Services, Inc.BRite Financial Services, In…26Bryant, Hodge & Associates LLCBryant, Hodge & Associates L…26Heritage Financial Group, Inc. (this)Heritage Financial Group, In…26
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 →

How the 26 complaints break down

Every complaint issue type on record for Heritage Financial Group, Inc., not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
68.6/100
Heritage Financial Group, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
26
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

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
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 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 Group, Inc. National average
Complaints (last 12 mo)lower is better
3
0
268
Timely-response ratehigher is better
100%
77%
91%
Consumer-dispute ratelower is better
0%
11%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Heritage Financial Group, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%10%20%30% Timely response rate (%) Dispute rate (%) Heritage Financial Group, Inc. vs. 6 similar-volume peers, by response speed and dispute rate Heritage Financial Group, Inc.Health Services Asset Management, LLC.Global United Arbitration LLCDream Center Education HoldingsLaw Office of Joe Pezzuto, LLCData-Central, LLCLaw Offices of Marvin S. C. Dang, LLC
Source: CFPB Consumer Complaint Database

Heritage Financial Group, Inc.'s complaint volume in context

Heritage Financial Group, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

26 69th percentile higher than 69% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Heritage Financial Group, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Heritage Financial Group, Inc.

Across 6 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.