CFPB · Diversified product mix
Headwaters Financial Corp.
6 CFPB complaints · diversified mix (top product 33.3%) · top issue Attempts to collect debt not owed.
Headwaters Financial Corp.: top product "Debt collection" is only 33.3% of 6 - multi-bucket mix. Timely 16.7% · relief 16.7%. Allegations, not findings.
- Diversified product mix
- 0% filings 2015 to 2026
CFPB relief outcome brief
CCDB company headwaters-financial-corp
16.7% relief · 16.7% timely · 6 filings · Debt collection
Same-product relief peers
Nearest relief peer: Servatus Corporation (16.7% relief)
Headwaters Financial Corp. closes 16.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Headwaters Financial Corp. has 6 filings on record, below the 10-complaint threshold this score requires for a stable percentage. A single additional filing can swing a rate by 10+ points at this volume, so no score is shown rather than an unstable one.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Headwaters Financial Corp. complaint mix by product
- Debt collection 2 33.3% – 0% relief
- Vehicle loan 2 33.3% – 0% relief
- Credit reporting 1 16.7% – 0% relief
- Consumer Loan 1 16.7% – 100% relief
How Headwaters Financial Corp.'s 6 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 2 |
| Vehicle loan or lease | 2 |
| Credit reporting or other personal consumer reports | 1 |
| Consumer Loan | 1 |
Concentrated filing states for Headwaters Financial Corp.
Top states by attributed CFPB complaint volume for this company
- Leading state
- SC
- 50% of this company's filings
Headwaters Financial Corp. complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2015
Top States
| State | Complaints |
|---|---|
| SC | 3 |
| VA | 1 |
| TX | 1 |
| GA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 2 |
| Managing the loan or lease | 2 |
| Improper use of your report | 1 |
| Problems at the end of the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 100% |
| 2024 | 1 | 0% |
| 2025 | 3 | 0% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Headwaters Financial Corp. spreads across product buckets
Headwaters Financial Corp.'s 6 logged complaints stay concentrated: only 4 states show a filing. 66.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-02-19.
Headwaters Financial Corp. answers 16.7% of complaints inside the CFPB's tracked window and closes 0% with a written explanation. 16.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
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 Headwaters Financial Corp..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Headwaters Financial Corp.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 6.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 16.7%.
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.
Data sourced from official public datasets for Headwaters Financial Corp. (16.7% timely; 16.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix