CFPB · Narrative-heavy record
Heartland Financial USA, Inc.
16 CFPB complaints · 56.3% with narratives · top issue Managing an account.
Heartland Financial USA, Inc.: 56.3% of 16 filings include consumer narratives. Timely 100% · relief 6.3% · top product Checking or savings account. Allegations, not findings.
- Narrative-heavy record
- -75% filings 2023 to 2025
CFPB relief outcome brief
CCDB company heartland-financial-usa-inc
6.3% relief · 100% timely · 16 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Morgan Stanley & Co. LLC (6.5% relief)
Heartland Financial USA, Inc. closes 6.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Heartland Financial USA, Inc. scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (29/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
29 / 100 percentile-benchmarked
6.3% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
89 / 100 percentile-benchmarked
93.8% of complaints closed with an explanation to the consumer
Most of Heartland Financial USA, Inc.'s 16 filings include narrative text
56.3% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Heartland Financial USA, Inc. complaint mix by product
- Checking or 11 68.8% – 9% relief
- Mortgage 2 12.5% – 0% relief
- Money transfer, 2 12.5% – 0% relief
- Payday loan, 1 6.3% – 0% relief
How Heartland Financial USA, Inc.'s 16 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 11 |
| Mortgage | 2 |
| Money transfer, virtual currency, or money service | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
Where Heartland Financial USA, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NM
- 37.5% of this company's filings
Heartland Financial USA, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 1
- -75% vs 2023
Top States
| State | Complaints |
|---|---|
| NM | 6 |
| TX | 4 |
| KS | 1 |
| NC | 1 |
| MT | 1 |
| IL | 1 |
| CA | 1 |
| IA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 6 |
| Problem with a lender or other company charging your account | 4 |
| Trouble during payment process | 2 |
| Fraud or scam | 2 |
| Problem caused by your funds being low | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2023 | 4 | 100% |
| 2024 | 11 | 100% |
| 2025 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Heartland Financial USA, Inc.'s narrative-rich complaint ledger
Heartland Financial USA, Inc.'s 16 logged complaints stay concentrated: only 8 states show a filing. 56.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2023 through 2025-01-15.
Heartland Financial USA, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 93.8% with a written explanation. 6.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."
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 Heartland Financial USA, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Heartland Financial USA, Inc.: 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: 16.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Heartland Financial USA, Inc. (100% timely; 6.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record