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 2026-05-15
- 10
- Total complaints
- 3
- Last 12 months
- 80%
- Timely response
- 8
- States affected
The verdict
American Heritage Lending, LLC ranks #3720 of 3,848 financial companies by CFPB complaint volume, with 10 complaints on record. It answers 80% of complaints on time - below the 93% median for companies with 100+ complaints.
- #3720
- of 3,848 companies by volume
- 80%
- answered on time
- Mortgage
- most-complained product
- 8
- states with complaints
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. Of complaints that were resolved, 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~10)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.