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.
- 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 →
Response Quality Score
Heartland Payment Systems Inc scores strongest on closed with explanation (98/100 percentile-benchmarked) and weakest on relief provided (0/100), 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
0 / 100 percentile-benchmarked
0.1% of complaints closed with relief to the consumer
Timely response
92 / 100 percentile-benchmarked
95.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
98 / 100 percentile-benchmarked
99% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Heartland Payment Systems Inc sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Heartland Payment Systems Inc files more complaint volume than 18% of them, and closes complaints with relief more often than 16% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,382 · Closed with relief: 0.1%
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
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