Heartland Payment Systems Inc
1.4K 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.
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
How Heartland Payment Systems Inc's 1.4K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Heartland Payment Systems Inc
Heartland Payment Systems Inc's 1,382 logged complaints reach a nationwide footprint - 54 states have at least one filing on record. 55.3% 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 2012 through 2026-06-25.
Heartland Payment Systems Inc answers 95.7% of complaints inside the CFPB's tracked window and closes 99% with a written explanation. 0.1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Student loan" draws the most filings, most often for "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.
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 Heartland Payment Systems Inc have?
1,382, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Heartland Payment Systems Inc respond to complaints on time?
95.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Heartland Payment Systems Inc?
"Dealing with your lender or servicer", filed under the "Student 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.