Total CFPB complaints
35
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 35 complaints
HIGHLAND FINANCIAL SERVICES (Closed) — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about HIGHLAND FINANCIAL SERVICES (Closed)
- Taking/threatening an illegal action
Taking/threatening an illegal action
15 complaints
- Communication tactics
Communication tactics
6 complaints
- Cont'd attempts collect debt not owed 5
Cont'd attempts collect debt not owed
5 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
F
Grade F · 48.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about HIGHLAND FINANCIAL SERVICES (Closed)?
HIGHLAND FINANCIAL SERVICES (Closed) has accumulated 35 total CFPB complaints across 19 states, with 0 filed in the most recent 12 months against 35 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 "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 51% timely-response rate against a 20% 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 19 states, led by California with 4 and Ohio with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.4/100 places HIGHLAND FINANCIAL SERVICES (Closed) 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
19
Distinct state filings
Timely response rate
51%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
F
48.4/100 composite
Response-quality profile
How HIGHLAND FINANCIAL SERVICES (Closed) performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does HIGHLAND FINANCIAL SERVICES (Closed) compare to its peers?
HIGHLAND FINANCIAL SER… 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)
2014-03 2015-12
Top Consumer Issues
Taking/threatening an illegal action15 (%)
Cont'd attempts collect debt not owed5 (%)
False statements or representation5 (%)
Communication tactics6 (%)
Disclosure verification of debt1 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 13 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| False statements or representation | Indicated committed crime not paying | 4 |
| Communication tactics | Frequent or repeated calls | 3 |
| Communication tactics | Threatened to take legal action | 2 |
| False statements or representation | Impersonated an attorney or official | 1 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
Where do complaints against HIGHLAND FINANCIAL SERVICES (Closed) come from?
The states where consumers have filed the most CFPB complaints against HIGHLAND FINANCIAL SERVICES (Closed). Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against HIGHLAND FINANCIAL SERVICES (Closed)
Across 19 states with at least one filing
- California
California
4 complaints
- Ohio
Ohio
4 complaints
- Illinois
Illinois
4 complaints
- Virginia
Virginia
3 complaints
- Georgia
Georgia
3 complaints
- Connecticut
Connecticut
2 complaints
- Florida
Florida
2 complaints
- Texas
Texas
2 complaints
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 35 complaints filed with the CFPB.
Are complaints against HIGHLAND FINANCIAL SERVICES (Closed) increasing or decreasing? ▼
Complaints against HIGHLAND FINANCIAL SERVICES (Closed) have been stable. The company received 0 complaints in the last 12 months.
What is HIGHLAND FINANCIAL SERVICES (Closed)'s reputation grade? ▼
HIGHLAND FINANCIAL SERVICES (Closed) has a reputation grade of F (score: 48.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 19 states, with the most complaints from California (4 complaints).
What can I do if HIGHLAND FINANCIAL SERVICES (Closed) 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 FINANCIAL SERVICES (Closed) 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 |