CFPB Consumer Complaint Profile
Harvard Collections, LLC
Behind the 736 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 736
- Total complaints
- Among the highest
- 89
- Last 12 months
- 89.1%
- Timely response
- Bottom quartile
- 41
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Harvard Collections, LLC has accumulated 736 complaints, placing it #402 by volume. On-time replies land at 89.1%, the 17th percentile for the 100+ complaint peer group.
- #402
- of 3,843 companies by volume
- 89.1%
- on time (17th pctile)
- Debt collection
- most-complained product
- 41
- 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.
Harvard Collections, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
89.1% Among the lowest higher than 17% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 66 in 2024 to 90 in 2025 (2024 → 2025).
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 | 12 |
| 2014 | 53 |
| 2015 | 67 |
| 2016 | 46 |
| 2017 | 61 |
| 2018 | 50 |
| 2019 | 36 |
| 2020 | 59 |
| 2021 | 78 |
| 2022 | 47 |
| 2023 | 50 |
| 2024 | 66 |
| 2025 | 90 |
| 2026year in progress | 21 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Harvard Collections, LLC
The CFPB Consumer Complaint Database has logged 736 complaints against Harvard Collections, LLC overall, with 89 of those filed in the trailing 12 months. Reports have come from consumers in 41 states and territories, making this a nationwide complaint footprint. "Debt collection" 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 "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Harvard Collections, LLC draw a 89.1% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Resolved cases drew a formal consumer-dispute rate of 20.3% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 1.5% rate.
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 Harvard Collections, LLC have?
736 complaints have been filed against Harvard Collections, LLC with the CFPB overall - 89 of them in the past year.
Does Harvard Collections, LLC respond to complaints on time?
Harvard Collections, LLC's CFPB timely-response rate is 89.1%.
What product generates the most complaints for Harvard Collections, LLC?
The most complained-about product for Harvard Collections, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Harvard Collections, LLC?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Harvard Collections, LLC; the full issue list with counts is above.
How do I file a complaint against Harvard Collections, LLC?
You can file a complaint against Harvard Collections, 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 Harvard Collections, LLC?
Consumers in 41 states and territories have filed complaints about Harvard Collections, 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Harvard Collections, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (20.3% here).
Also handles Debt collection
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.