Total CFPB complaints
13
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 13 complaints
Highland Capital — 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 Highland Capital
- Communication tactics
Communication tactics
5 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
5 complaints
- False statements or representation
False statements or representation
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
F
Grade F · 41.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Highland Capital?
Highland Capital has accumulated 13 total CFPB complaints across 6 states, with 0 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Threatened to take legal action", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% 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 Ohio with 5 and California with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 41.7/100 places Highland Capital in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
6
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
41.7/100 composite
Response-quality profile
How Highland Capital performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
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 Highland Capital compare to its peers?
Highland Capital 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)
2015-02 2015-07
Top Consumer Issues
Communication tactics5 (%)
Taking/threatening an illegal action5 (%)
Cont'd attempts collect debt not owed1 (%)
False statements or representation2 (%)
Most common issue: Communication tactics — Threatened to take legal action
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 |
|---|---|---|
| Communication tactics | Threatened to take legal action | 4 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 3 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| False statements or representation | Impersonated an attorney or official | 1 |
| False statements or representation | Indicated committed crime not paying | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Highland Capital come from?
The states where consumers have filed the most CFPB complaints against Highland Capital. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Highland Capital
Across 6 states with at least one filing
- Ohio
Ohio
5 complaints
- California
California
3 complaints
- Alabama
Alabama
2 complaints
- Kansas 1
Kansas
1 complaints
- Texas 1
Texas
1 complaints
- Washington 1
Washington
1 complaints
Frequently Asked Questions
What is the most common complaint against Highland Capital? ▼
The most common issue consumers report about Highland Capital is "Communication tactics", specifically "Threatened to take legal action". This is based on 13 complaints filed with the CFPB.
Are complaints against Highland Capital increasing or decreasing? ▼
Complaints against Highland Capital have been stable. The company received 0 complaints in the last 12 months.
What is Highland Capital's reputation grade? ▼
Highland Capital has a reputation grade of F (score: 41.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Highland Capital respond to consumer complaints? ▼
Highland Capital has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Highland Capital operate? ▼
Highland Capital has received CFPB complaints from consumers in 6 states, with the most complaints from Ohio (5 complaints).
What can I do if Highland Capital 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 Highland Capital 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 |