CFPB Consumer Complaint Profile
American Heritage Lending, LLC
What 10 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 10
- Total complaints
- Below average
- 3
- Last 12 months
- 80%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
American Heritage Lending, LLC ranks #3715 of 3,843 financial companies by CFPB complaint volume, with 10 complaints on record. It posts a 80% on-time response rate, the 9th percentile among companies with 100+ complaints.
- #3715
- of 3,843 companies by volume
- 80%
- on time (9th pctile)
- Mortgage
- most-complained product
- 8
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
American Heritage Lending, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
80% Among the lowest higher than 9% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2023 | 2 |
| 2024 | 3 |
| 2025 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Heritage Lending, LLC
The CFPB Consumer Complaint Database has logged 10 complaints against American Heritage Lending, LLC overall, with 3 of those filed in the trailing 12 months. Reports have come from consumers in 8 states and territories, making this a geographically concentrated complaint footprint. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Applying for a mortgage or refinancing an existing mortgage" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
American Heritage Lending, LLC's timely response rate stands at 80%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Among resolved complaints, 10% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does American Heritage Lending, LLC have?
The CFPB has logged 10 complaints against American Heritage Lending, LLC to date, of which 3 came in over the last 12 months.
Does American Heritage Lending, LLC respond to complaints on time?
American Heritage Lending, LLC's CFPB timely-response rate is 80%.
What product generates the most complaints for American Heritage Lending, LLC?
"Mortgage" draws more CFPB complaints against American Heritage Lending, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with American Heritage Lending, LLC?
"Applying for a mortgage or refinancing an existing mortgage" is the single most frequently cited issue in complaints against American Heritage Lending, LLC - see all issues and counts above.
How do I file a complaint against American Heritage Lending, LLC?
You can file a complaint against American Heritage Lending, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about American Heritage Lending, LLC?
Consumers in 8 states and territories have filed complaints about American Heritage Lending, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.