What is the most common complaint against HIGHLAND FINANCIAL SERVICES (Closed)?

The most common issue consumers report about HIGHLAND FINANCIAL SERVICES (Closed) is "Taking/threatening an illegal action", specifically "Threatened arrest/jail if do not pay". This is based on 30 complaints filed with the CFPB.

Are complaints against HIGHLAND FINANCIAL SERVICES (Closed) increasing or decreasing?

Complaints against HIGHLAND FINANCIAL SERVICES (Closed) are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is HIGHLAND FINANCIAL SERVICES (Closed)'s reputation grade?

HIGHLAND FINANCIAL SERVICES (Closed) has a reputation grade of F (score: 45.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does HIGHLAND FINANCIAL SERVICES (Closed) respond to consumer complaints?

HIGHLAND FINANCIAL SERVICES (Closed) has a 51% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does HIGHLAND FINANCIAL SERVICES (Closed) operate?

HIGHLAND FINANCIAL SERVICES (Closed) has received CFPB complaints from consumers in 17 states, with the most complaints from Illinois (4 complaints).

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

HIGHLAND FINANCIAL SERVICES (Closed) - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade F.

Compiled by PlainCollector

Taking/threatening an illegal action

13
Cont'd attempts collect debt not owed

6
False statements or representation

5
Communication tactics

5
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record highland-financial-services-closed HIGHLAND FINANCIAL SERVICES (Closed)

Grade F · 30 CFPB filings · 51% timely · lead issue: Taking/threatening an illegal action · vol #1537 · compose #4596

VOL 30
GRADE F
12MO 0
STATES 17
TIMELY 51%
DISPUTE 20%
ISSUE Taking/threatening an ille…
RANK #1,537
COMPOSE #4,596

Volume peers

Nearest volume peer: Atlantic Collection Agency, Inc. (30 complaints)

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

HIGHLAND FINANCIAL SERVICES (Closed)'s 30 CFPB complaints sit next to Atlantic Collection Agency, 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 →

Distributed filing map

HIGHLAND FINANCIAL SERVICES (Closed) spreads filings across 17 states - Illinois leads at only 13.3%

Despite a broad state map, HIGHLAND FINANCIAL SERVICES (Closed) still sits volume #1,537 against composite #4,596 - the two RankMaps diverge by 3,059 places. Corpus placement method.

Most-even geography: Lead state under 15%; Illinois still leads at 13.3% across 17 states
Spike month: 2017-10 25.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,537 volume; #4,596 composite; Cleanest-composite ladder is 3,059 places worse than volume

How does HIGHLAND FINANCIAL SERVICES (Closed) compare to its peers?

How does HIGHLAND FINANCIAL SERVICES (Closed) compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

HIGHLAND FINANCIAL SER… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

51%

63%

91%

Consumer-dispute ratelower is better

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-10 2018-04

Issue Detail Breakdown

Issue	Complaints
Taking/threatening an illegal action	13
Cont'd attempts collect debt not owed	6
False statements or representation	5
Communication tactics	5
Disclosure verification of debt	1

Where do complaints against HIGHLAND FINANCIAL SERVICES (Closed) come from?

HIGHLAND FINANCIAL SERVICES (Closed)'s own per-state count, not a national baseline.

Illinois

4
Ohio

4
California

3
Georgia

3
Virginia

3
Texas

2
Connecticut

1
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for HIGHLAND FINANCIAL SERVICES (Closed): 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: 30.

4 peers

Know your rights before responding to HIGHLAND FINANCIAL SERVICES (Closed): 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.