CFPB Consumer Complaint Profile
Harpeth Financial Services, LLC
Behind the 669 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 669
- Total complaints
- 183
- Last 12 months
- 98.1%
- Timely response
- 37
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Harpeth Financial Services, LLC has accumulated 669 complaints, placing it #432 by volume. 98.1% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #432
- of 3,848 companies by volume
- 98.1%
- answered on time
- Payday loan, title l…
- most-complained product
- 37
- 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 |
|---|---|
| 2013 | 1 |
| 2014 | 4 |
| 2015 | 14 |
| 2016 | 23 |
| 2017 | 41 |
| 2018 | 53 |
| 2019 | 58 |
| 2020 | 73 |
| 2021 | 42 |
| 2022 | 30 |
| 2023 | 50 |
| 2024 | 68 |
| 2025 | 164 |
| 2026 | 48 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Harpeth Financial Services, LLC
Harpeth Financial Services, LLC carries 669 complaints in the CFPB's database, 183 of them filed within the past 12 months. Consumers spanning 37 states and territories have weighed in, giving this a multi-regional footprint. "Payday loan, title loan, personal loan, or advance loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Charged fees or interest you didn't expect" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Harpeth Financial Services, LLC's timely response rate stands at 98.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 14% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 3.7% 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 Harpeth Financial Services, LLC have?
669 complaints have been filed against Harpeth Financial Services, LLC with the CFPB overall - 183 of them in the past year.
Does Harpeth Financial Services, LLC respond to complaints on time?
Harpeth Financial Services, LLC's CFPB timely-response rate is 98.1%. That is a strong response record by CFPB standards.
What product generates the most complaints for Harpeth Financial Services, LLC?
The most complained-about product for Harpeth Financial Services, LLC is "Payday loan, title loan, personal loan, or advance loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Harpeth Financial Services, LLC?
"Charged fees or interest you didn't expect" is the single most frequently cited issue in complaints against Harpeth Financial Services, LLC - see all issues and counts above.
How do I file a complaint against Harpeth Financial Services, LLC?
You can file a complaint against Harpeth Financial Services, 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 Harpeth Financial Services, LLC?
Consumers in 37 states and territories have filed complaints about Harpeth Financial Services, 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 (~669)
Also handles Payday loan, title loan, personal loan, or advance loan
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.