Harpeth Financial Services, LLC
752 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Harpeth Financial Services, LLC complaint mix by product
- Payday loan, 231 31.3% – 1% relief
- Payday loan, 214 29.0% – 0% relief
- Debt collection 184 25.0% – 1% relief
- Credit reporting 55 7.5% – 0% relief
- Payday loan 32 4.3% – 47% relief
- Consumer Loan 16 2.2% – 31% relief
- Credit reporting, 5 0.7% – 0% relief
How Harpeth Financial Services, LLC's 752 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 231 |
| Payday loan, title loan, personal loan, or advance loan | 214 |
| Debt collection | 184 |
| Credit reporting or other personal consumer reports | 55 |
| Payday loan | 32 |
| Consumer Loan | 16 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Money transfer, virtual currency, or money service | 4 |
| Credit card | 3 |
| Debt or credit management | 3 |
| Checking or savings account | 3 |
| Prepaid card | 1 |
| Other financial service | 1 |
Top States
| State | Complaints |
|---|---|
| TN | 294 |
| FL | 73 |
| VA | 57 |
| TX | 45 |
| MO | 33 |
| WI | 25 |
| OH | 23 |
| GA | 23 |
| KS | 21 |
| SC | 20 |
| MI | 15 |
| CA | 12 |
| DE | 12 |
| AL | 11 |
| AZ | 11 |
| KY | 9 |
| ID | 9 |
| UT | 6 |
| OK | 5 |
| MS | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 167 |
| Struggling to pay your loan | 94 |
| Attempts to collect debt not owed | 66 |
| Incorrect information on your report | 51 |
| Problem when making payments | 45 |
| Took or threatened to take negative or legal action | 34 |
| Problem with the payoff process at the end of the loan | 34 |
| Can't stop withdrawals from your bank account | 32 |
| Communication tactics | 30 |
| Written notification about debt | 25 |
| Charged fees or interest I didn't expect | 22 |
| False statements or representation | 20 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 13 |
| Problem with cash advance | 12 |
| Problem with a company's investigation into an existing problem | 10 |
| Getting a line of credit | 9 |
| Can't stop charges to bank account | 8 |
| Getting the loan | 7 |
| Problems when you are unable to pay | 7 |
| Managing the loan or lease | 7 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 4 | 100% |
| 2015 | 14 | 100% |
| 2016 | 23 | 95.7% |
| 2017 | 41 | 95.1% |
| 2018 | 53 | 100% |
| 2019 | 58 | 100% |
| 2020 | 73 | 100% |
| 2021 | 42 | 100% |
| 2022 | 30 | 100% |
| 2023 | 50 | 98% |
| 2024 | 68 | 100% |
| 2025 | 166 | 94.6% |
| 2026 | 129 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Harpeth Financial Services, LLC
Harpeth Financial Services, LLC's 752 logged complaints stay concentrated: only 39 states show a filing on record. 56.6% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2026-06-25.
Harpeth Financial Services, LLC answers 98.3% of complaints inside the CFPB's tracked window and closes 94.3% with a written explanation. 3.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, or personal loan" draws the most filings, most often for "Charged fees or interest you didn't expect."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Harpeth Financial Services, LLC.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Harpeth Financial Services, LLC have?
752, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Harpeth Financial Services, LLC respond to complaints on time?
98.3% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Harpeth Financial Services, LLC?
"Charged fees or interest you didn't expect", filed under the "Payday loan, title loan, or personal loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.