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 2026-05-15
- 736
- Total complaints
- 89
- Last 12 months
- 89.1%
- Timely response
- 41
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Harvard Collections, LLC has accumulated 736 complaints, placing it #402 by volume. 89.1% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.
- #402
- of 3,848 companies by volume
- 89.1%
- answered on time
- Debt collection
- most-complained product
- 41
- 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 | 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 |
| 2026 | 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.
89.1% of CFPB-forwarded complaints against Harvard Collections, LLC get a reply 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. In 20.3% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 1.5% of resolved complaints ended with some monetary or non-monetary relief for 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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~736)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.