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

CFPB complaint data Grade F 30 complaints

HIGHLAND FINANCIAL SERVICES (Closed) - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade F.

Complaints by issue type

What consumers report about HIGHLAND FINANCIAL SERVICES (Closed)

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 48.4/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: HIGHLAND FINANCIAL SERVICES (Closed) ranks ahead of 12% of the 5,283 collectors PlainCollector grades - 88% keep a cleaner CFPB record, on 30 all-time complaints and a 51% timely-response rate.

12th pct
reputation rank of 5,283 graded collectors
30
CFPB complaints, all-time
51%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about HIGHLAND FINANCIAL SERVICES (Closed)?

HIGHLAND FINANCIAL SERVICES (Closed) has accumulated 30 total CFPB complaints across 17 states, with 0 filed in the most recent 12 months against 30 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay". The company posts a 51% timely-response rate against a 20% consumer-dispute-after-response rate.

Complaints have been recorded across 17 states, led by Illinois with 4 and Ohio with 4. Normalized against the full CFPB collector database, the reputation score of 48.4/100 places HIGHLAND FINANCIAL SERVICES (Closed) in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

30

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

17

regional footprint

Timely response rate

51%

below sla band

Consumer disputes

20%

elevated (vertical avg ~19%)

Reputation grade

F

48.4/100 composite

How does HIGHLAND FINANCIAL SERVICES (Closed)'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

48 Bottom 12% higher than 12% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

HIGHLAND FINANCIAL SERVICES (Closed) versus the debt-collection vertical average.

Timely response within SLA 51.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 20.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 30.4%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
HIGHLAND FINANCIAL SER… National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
51%
63%
91%
Consumer-dispute ratelower is better
20%
20%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-10 2018-04

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against HIGHLAND FINANCIAL SERVICES (Closed)

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if HIGHLAND FINANCIAL SERVICES (Closed) contacts you

A grade of F signals how HIGHLAND FINANCIAL SERVICES (Closed)'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really HIGHLAND FINANCIAL SERVICES (Closed) and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how HIGHLAND FINANCIAL SERVICES (Closed) ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 48.4/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.