2026 data Public-data reference. official source

HEARTLAND PAYMENT SYSTEMS INC

963 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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963 consumer complaints filed with the CFPB

This profile shows HEARTLAND PAYMENT SYSTEMS INC's complaint history from CFPB public records. 963 consumers have filed complaints since 2012. The company has a 95.2% timely response rate and has provided relief in 0.2% of cases.

963
Total Complaints
95.2%
Timely Response
3.2%
Disputed
0.2%
Relief Provided
52
States Active
2012
Since

Total complaints

963

Filed since 2012

Timely response

95.2%

CFPB-tracked response window

Relief rate

0.2%

Closed with monetary or non-monetary relief

Timely response rate 95.2%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.2%
Industry median

Share closed with monetary or non-monetary relief.

HEARTLAND PAYMENT SYSTEMS INC complaint mix by product

Total complaints: 963

HEARTLAND PAYMENT SYSTEMS INC complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 963 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Student loan: 544 complaints (57.2%), resolution 0.2% Student loan 57.2% Debt collection: 122 complaints (12.8%), resolution 0.0% Debt collection 12.8% Credit reporting: 96 complaints (10.1%), resolution 0.0% Credit reporting 10.1% Credit reporting,: 86 complaints (9.0%), resolution 0.0% Credit reporting, 9.0% Credit card: 39 complaints (4.1%), resolution 0.0% Money transfer,: 37 complaints (3.9%), resolution 0.0% Checking or: 27 complaints (2.8%), resolution 0.0%
  • Student loan 544 57.2% – 0% relief
  • Debt collection 122 12.8% – 0% relief
  • Credit reporting 96 10.1% – 0% relief
  • Credit reporting, 86 9.0% – 0% relief
  • Credit card 39 4.1% – 0% relief
  • Money transfer, 37 3.9% – 0% relief
  • Checking or 27 2.8% – 0% relief

How HEARTLAND PAYMENT SYSTEMS INC's 963 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Student loan 544
Debt collection 122
Credit reporting or other personal consumer reports 96
Credit reporting, credit repair services, or other personal consumer reports 86
Credit card 39
Money transfer, virtual currency, or money service 37
Checking or savings account 27
Credit card or prepaid card 7
Bank account or service 3
Payday loan, title loan, or personal loan 1
Debt or credit management 1

Top States

State Complaints
CA 90
NY 84
FL 55
TX 52
OH 51
NJ 50
PA 50
IL 43
MI 36
NC 33
MA 30
GA 30
WA 29
VA 24
DC 24
MD 23
OR 20
CT 17
AL 16
SC 15

Top Issues

Issue Complaints
Dealing with your lender or servicer 319
Incorrect information on your report 153
Dealing with my lender or servicer 116
Struggling to repay your loan 44
Attempts to collect debt not owed 42
Written notification about debt 25
False statements or representation 22
Problem with a credit reporting company's investigation into an existing problem 20
Improper use of your report 20
Fees or interest 19
Problem with a company's investigation into an existing problem 19
Problem with a lender or other company charging your account 17
Can't repay my loan 13
Unauthorized transactions or other transaction problem 12
Took or threatened to take negative or legal action 11
Cont'd attempts collect debt not owed 10
Problem with a purchase shown on your statement 10
Unexpected or other fees 8
Communication tactics 6
Other features, terms, or problems 6

Yearly Trend

Year Complaints Timely
2012 5 100%
2013 9 100%
2014 18 88.9%
2015 31 96.8%
2016 73 91.8%
2017 87 96.6%
2018 96 94.8%
2019 52 98.1%
2020 62 95.2%
2021 54 98.1%
2022 78 96.2%
2023 97 94.8%
2024 80 95%
2025 152 97.4%
2026 69 88.4%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About HEARTLAND PAYMENT SYSTEMS INC

HEARTLAND PAYMENT SYSTEMS INC has accumulated 963 consumer complaints in the CFPB public database, with filings active across 52 U.S. states. Of those submissions, 363 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2012, and the most recent logged activity is 2026-04-08, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, HEARTLAND PAYMENT SYSTEMS INC reports a 95.2% timely-response rate and has closed 98.7% of cases with a written explanation to the consumer. 0.2% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 3.2% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Student loan", and the single most common underlying issue is "Dealing with your lender or servicer".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating HEARTLAND PAYMENT SYSTEMS INC: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

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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?

HEARTLAND PAYMENT SYSTEMS INC has received 963 consumer complaints filed with the Consumer Financial Protection Bureau.

Does HEARTLAND PAYMENT SYSTEMS INC respond to complaints on time?

HEARTLAND PAYMENT SYSTEMS INC has a 95.2% timely response rate to CFPB complaints.

What is the most common complaint about HEARTLAND PAYMENT SYSTEMS INC?

The most common issue reported against HEARTLAND PAYMENT SYSTEMS INC is "Dealing with your lender or servicer" in the "Student loan" product category.

Read our methodology — how this data is sourced, computed, and verified.

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