Total CFPB complaints
25
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 25 complaints
Heritage Financial Group, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Heritage Financial Group, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
14 complaints
- Communication tactics 4
Communication tactics
4 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
B
Grade B · 72.3/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Heritage Financial Group, Inc.?
Heritage Financial Group, Inc. has accumulated 25 total CFPB complaints across 6 states, with 2 filed in the most recent 12 months against 23 historical complaints before that window. The trailing-12-month volume represents 8.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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 0% 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 6 states, led by Illinois with 8 and Indiana with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 72.3/100 places Heritage Financial Group, Inc. 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
8.0% of total history
Falling ↓
States active
6
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
72.3/100 composite
Response-quality profile
How Heritage Financial Group, Inc. 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) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Heritage Financial Group, Inc. compare to its peers?
Heritage Financial Gro… 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)
2015-06 2026-01
Top Consumer Issues
Attempts to collect debt not owed14 (%)
Communication tactics4 (%)
Took or threatened to take negative or legal action3 (%)
Taking/threatening an illegal action1 (%)
Threatened to contact someone or share information improperly1 (%)
Written notification about debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 7 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Communication tactics | Frequent or repeated calls | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against Heritage Financial Group, Inc. come from?
The states where consumers have filed the most CFPB complaints against Heritage Financial Group, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Heritage Financial Group, Inc.
Across 6 states with at least one filing
- Illinois
Illinois
8 complaints
- Indiana
Indiana
7 complaints
- Ohio
Ohio
5 complaints
- Texas 3
Texas
3 complaints
- Georgia 1
Georgia
1 complaints
- Michigan 1
Michigan
1 complaints
Frequently Asked Questions
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 25 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 2 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: 72.3/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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).
What can I do if Heritage Financial Group, 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 Heritage Financial Group, 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 |