CFPB · Slower timely-response band
Heartland Payment Systems Inc
1.4K CFPB complaints · 95.7% timely (slow band) · top issue Dealing with your lender or servicer.
Heartland Payment Systems Inc answers 95.7% on time (lower third) across 1.4K filings. Relief 0.1% · top product Student loan. Allegations, not findings.
- Volume rank #281 of 342
- Slower timely-response band
- +2100% filings 2012 to 2026
CFPB relief outcome brief
CCDB company heartland-payment-systems-inc
0.1% relief · 95.7% timely · 1.4K filings · Student loan
Same-product relief peers
Nearest relief peer: Nelnet, Inc. (0.2% relief)
Heartland Payment Systems Inc closes 0.1% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Heartland Payment Systems Inc's 1.4K filings include narrative text
55.3% 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 Payment Systems Inc complaint mix by product
- Student loan 823 60.3% – 0% relief
- Debt collection 159 11.7% – 0% relief
- Credit reporting, 118 8.7% – 0% relief
- Credit reporting 116 8.5% – 0% relief
- Credit card 56 4.1% – 0% relief
- Money transfer, 52 3.8% – 0% relief
- Checking or 40 2.9% – 0% relief
Lighter-volume mix: how Heartland Payment Systems Inc's 1.4K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Student loan | 823 |
| Debt collection | 159 |
| Credit reporting, credit repair services, or other personal consumer reports | 118 |
| Credit reporting or other personal consumer reports | 116 |
| Credit card | 56 |
| Money transfer, virtual currency, or money service | 52 |
| Checking or savings account | 40 |
| Credit card or prepaid card | 10 |
| Debt or credit management | 4 |
| Bank account or service | 3 |
| Payday loan, title loan, or personal loan | 1 |
Nationwide filing states for Heartland Payment Systems Inc
Top states by attributed volume, lighter-filing company
- Leading state
- CA
- 11.5% of this company's filings
Heartland Payment Systems Inc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 110
- +2100% vs 2012
Top States
| State | Complaints |
|---|---|
| CA | 159 |
| NY | 124 |
| FL | 85 |
| TX | 77 |
| PA | 71 |
| IL | 64 |
| NJ | 63 |
| OH | 62 |
| NC | 45 |
| MA | 45 |
| MI | 42 |
| WA | 42 |
| GA | 40 |
| VA | 37 |
| DC | 30 |
| MD | 29 |
| OR | 27 |
| SC | 22 |
| TN | 22 |
| CT | 21 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with your lender or servicer | 509 |
| Incorrect information on your report | 203 |
| Dealing with my lender or servicer | 157 |
| Struggling to repay your loan | 67 |
| Attempts to collect debt not owed | 52 |
| False statements or representation | 33 |
| Written notification about debt | 33 |
| Problem with a credit reporting company's investigation into an existing problem | 28 |
| Fees or interest | 27 |
| Problem with a company's investigation into an existing problem | 25 |
| Problem with a lender or other company charging your account | 24 |
| Improper use of your report | 21 |
| Problem with a purchase shown on your statement | 20 |
| Unauthorized transactions or other transaction problem | 15 |
| Can't repay my loan | 14 |
| Took or threatened to take negative or legal action | 13 |
| Cont'd attempts collect debt not owed | 12 |
| Managing an account | 11 |
| Unexpected or other fees | 11 |
| Getting a loan | 10 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 5 | 100% |
| 2013 | 9 | 100% |
| 2014 | 18 | 88.9% |
| 2015 | 35 | 97.1% |
| 2016 | 106 | 88.7% |
| 2017 | 122 | 97.5% |
| 2018 | 164 | 96.3% |
| 2019 | 80 | 97.5% |
| 2020 | 89 | 96.6% |
| 2021 | 75 | 98.7% |
| 2022 | 104 | 95.2% |
| 2023 | 131 | 94.7% |
| 2024 | 126 | 93.7% |
| 2025 | 208 | 97.6% |
| 2026 | 110 | 95.5% |
Source: CFPB Consumer Complaint Database
Heartland Payment Systems Inc in the slower-timely third
Heartland Payment Systems Inc's 1,382 logged complaints reach a nationwide footprint - 54 states have at least one filing. 55.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-25. Timely response 95.7% sits in the lower third of the corpus.
Heartland Payment Systems Inc answers 95.7% of complaints inside the CFPB's tracked window (timely band: slow) and closes 0.1% with relief; 99% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Student loan" · top issue "Dealing with your lender or servicer."
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 Payment Systems Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Heartland Payment Systems 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: 1.4K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 95.7%.
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 Heartland Payment Systems Inc (#281 of 342; 95.7% timely; 0.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band