CFPB · Diversified product mix
Heritage Financial Group, Inc.
103 CFPB complaints · diversified mix (top product 35%) · top issue Incorrect information on your report.
Heritage Financial Group, Inc.: top product "Vehicle loan or lease" is only 35% of 103 - multi-bucket mix. Timely 92.2% · relief 1%. Allegations, not findings.
- Diversified product mix
- +1600% filings 2015 to 2026
CFPB relief outcome brief
CCDB company heritage-financial-group-inc
1% relief · 92.2% timely · 103 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Volvo Car Financial Services U.S., LLC (1.1% relief)
Heritage Financial Group, Inc. closes 1% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Heritage Financial Group, Inc. scores strongest on closed with explanation (98/100 percentile-benchmarked) and weakest on relief provided (5/100), 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
5 / 100 percentile-benchmarked
1% of complaints closed with relief to the consumer
Timely response
86 / 100 percentile-benchmarked
92.2% 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 Heritage Financial Group, Inc.'s 103 filings include narrative text
49.5% 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.
Heritage Financial Group, Inc. complaint mix by product
- Vehicle loan 36 35.0% – 0% relief
- Debt collection 26 25.2% – 0% relief
- Credit reporting 20 19.4% – 0% relief
- Credit reporting, 14 13.6% – 0% relief
- Consumer Loan 5 4.9% – 20% relief
- Payday loan, 2 1.9% – 0% relief
How Heritage Financial Group, Inc.'s 103 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 36 |
| Debt collection | 26 |
| Credit reporting or other personal consumer reports | 20 |
| Credit reporting, credit repair services, or other personal consumer reports | 14 |
| Consumer Loan | 5 |
| Payday loan, title loan, or personal loan | 2 |
Where Heritage Financial Group, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- IL
- 36.9% of this company's filings
Heritage Financial Group, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 17
- +1600% vs 2015
Top States
| State | Complaints |
|---|---|
| IL | 38 |
| IN | 22 |
| OH | 17 |
| KY | 8 |
| TX | 5 |
| NC | 2 |
| FL | 2 |
| MI | 2 |
| GA | 2 |
| SC | 1 |
| MN | 1 |
| AZ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 21 |
| Attempts to collect debt not owed | 15 |
| Managing the loan or lease | 15 |
| Improper use of your report | 9 |
| Repossession | 9 |
| Problem with a credit reporting company's investigation into an existing problem | 5 |
| Struggling to pay your loan | 5 |
| Problem with a company's investigation into an existing problem | 4 |
| Communication tactics | 4 |
| Took or threatened to take negative or legal action | 3 |
| Getting a loan or lease | 3 |
| Problems when you are unable to pay | 2 |
| Charged fees or interest you didn't expect | 2 |
| Threatened to contact someone or share information improperly | 1 |
| Problems at the end of the loan or lease | 1 |
| Taking out the loan or lease | 1 |
| Taking/threatening an illegal action | 1 |
| Written notification about debt | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 100% |
| 2016 | 3 | 100% |
| 2017 | 7 | 100% |
| 2018 | 9 | 100% |
| 2019 | 4 | 100% |
| 2020 | 4 | 100% |
| 2021 | 12 | 100% |
| 2022 | 7 | 85.7% |
| 2023 | 6 | 100% |
| 2024 | 19 | 100% |
| 2025 | 14 | 100% |
| 2026 | 17 | 58.8% |
Source: CFPB Consumer Complaint Database
Heritage Financial Group, Inc. spreads across product buckets
Heritage Financial Group, Inc.'s 103 logged complaints stay concentrated: only 12 states show a filing. 49.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-06-12.
Heritage Financial Group, Inc. answers 92.2% of complaints inside the CFPB's tracked window and closes 99% with a written explanation. 1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Incorrect information on your report."
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 Heritage Financial Group, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Heritage Financial Group, 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: 103.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 92.2%.
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 Heritage Financial Group, Inc. (92.2% timely; 1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix