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

CFPB complaint data Grade C 28 complaints

Kentucky Higher Education Assistance Authority - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade C.

Complaints by issue type

What consumers report about Kentucky Higher Education Assistance Authority

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.7/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: Kentucky Higher Education Assistance Authority ranks ahead of 55% of the 5,283 collectors PlainCollector grades - 45% keep a cleaner CFPB record, on 28 all-time complaints and a 89% timely-response rate.

55th pct
reputation rank of 5,283 graded collectors
28
CFPB complaints, all-time
89%
answered inside the CFPB window
6
in the last 12 months (stable)

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 Kentucky Higher Education Assistance Authority?

Kentucky Higher Education Assistance Authority has accumulated 28 total CFPB complaints across 15 states, with 6 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 21.4% 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 "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 89% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 15 states, led by Georgia with 4 and New Jersey with 4. Normalized against the full CFPB collector database, the reputation score of 63.7/100 places Kentucky Higher Education Assistance Authority in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

28

low-volume (CCDB)

Last 12 months

6

21.4% of all-time complaints

Stable →

States active

15

regional footprint

Timely response rate

89%

acceptable band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

C

63.7/100 composite

How does Kentucky Higher Education Assistance Authority's reputation rank nationally?

Reputation score vs. every graded collector

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

64 55th percentile higher than 55% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Kentucky Higher Education Assistance Authority versus the debt-collection vertical average.

Timely response within SLA 88.9%
Vertical avg

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

Consumer dispute rate (post-response) 16.7%
Vertical avg

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

State coverage breadth 26.8%

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

How does Kentucky Higher Education Assistance Authority compare to its peers?

How does Kentucky Higher Education Assistance Authority compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Kentucky Higher Educat… National average
Complaints (last 12 mo)lower is better
6
2
268
Timely-response ratehigher is better
89%
100%
91%
Consumer-dispute ratelower is better
17%
25%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-01 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 11
Written notification about debt - 5
Took or threatened to take negative or legal action - 4
Communication tactics - 3
Cont'd attempts collect debt not owed - 2
Disclosure verification of debt - 2
Improper contact or sharing of info - 1

Where do complaints against Kentucky Higher Education Assistance Authority come from?

Kentucky Higher Education Assistance Authority's own per-state count, not a national baseline.

Top states by complaints against Kentucky Higher Education Assistance Authority

Across 15 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Kentucky Higher Education Assistance Authority contacts you

A grade of C signals how Kentucky Higher Education Assistance Authority'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 Kentucky Higher Education Assistance Authority 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 Kentucky Higher Education Assistance Authority 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 Kentucky Higher Education Assistance Authority? ▼

The most common issue consumers report about Kentucky Higher Education Assistance Authority is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 28 complaints filed with the CFPB.

Are complaints against Kentucky Higher Education Assistance Authority increasing or decreasing? ▼

Complaints against Kentucky Higher Education Assistance Authority have been stable. The company received 6 complaints in the last 12 months.

What is Kentucky Higher Education Assistance Authority's reputation grade? ▼

Kentucky Higher Education Assistance Authority has a reputation grade of C (score: 63.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Kentucky Higher Education Assistance Authority respond to consumer complaints? ▼

Kentucky Higher Education Assistance Authority has a 89% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Kentucky Higher Education Assistance Authority operate? ▼

Kentucky Higher Education Assistance Authority has received CFPB complaints from consumers in 15 states, with the most complaints from Georgia (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.