CFPB Consumer Complaint Profile
Heartland Payment Systems Inc
1,336 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 1,336
- Total complaints
- Among the highest
- 225
- Last 12 months
- 95.2%
- Timely response
- Below median
- 53
- States affected
The verdict
1,336 CFPB complaints put Heartland Payment Systems Inc at #277 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 95.2%, the 30th percentile among companies with 100+ complaints.
- #277
- of 3,843 companies by volume
- 95.2%
- on time (30th pctile)
- Student loan
- most-complained product
- 53
- 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.
Heartland Payment Systems Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.2% Around the middle higher than 30% 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 126 in 2024 to 209 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 |
|---|---|
| 2012 | 5 |
| 2013 | 9 |
| 2014 | 18 |
| 2015 | 35 |
| 2016 | 106 |
| 2017 | 122 |
| 2018 | 164 |
| 2019 | 80 |
| 2020 | 89 |
| 2021 | 75 |
| 2022 | 104 |
| 2023 | 131 |
| 2024 | 126 |
| 2025 | 209 |
| 2026year in progress | 63 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Heartland Payment Systems Inc
The CFPB Consumer Complaint Database has logged 1,336 complaints against Heartland Payment Systems Inc overall, with 225 of those filed in the trailing 12 months. Reports have come from consumers in 53 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Student loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Dealing with your lender or servicer" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Heartland Payment Systems Inc's timely response rate stands at 95.2%, 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. The company's response carried a 19.9% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.1% 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 Heartland Payment Systems Inc have?
1,336 complaints have been filed against Heartland Payment Systems Inc with the CFPB overall - 225 of them in the past year.
Does Heartland Payment Systems Inc respond to complaints on time?
CFPB complaints against Heartland Payment Systems Inc draw a 95.2% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Heartland Payment Systems Inc?
"Student loan" draws more CFPB complaints against Heartland Payment Systems Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Heartland Payment Systems Inc?
The most common issue reported by consumers about Heartland Payment Systems Inc is "Dealing with your lender or servicer." All complaint issues are listed above with their counts.
How do I file a complaint against Heartland Payment Systems Inc?
You can file a complaint against Heartland Payment Systems Inc 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 Heartland Payment Systems Inc?
Heartland Payment Systems Inc has drawn CFPB complaints from 53 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Heartland Payment Systems Inc: 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 complaint volume
Nearest companies by total CFPB complaint count (1,336 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (19.9% here).
Also handles Student loan
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.