CFPB Consumer Complaint Profile
Heritage Financial Group, Inc.
Behind the 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
- 92
- Total complaints
- Mid-range
- 19
- Last 12 months
- 97.8%
- Timely response
- Below median
- 12
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Heritage Financial Group, Inc. sits at #1376. On response speed it sits at the 46th percentile among companies with 100+ complaints.
- Vehicle loan or lease
- most-complained product
- IL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Heritage Financial Group, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.8% Around the middle higher than 46% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 1 |
| 2016 | 3 |
| 2017 | 7 |
| 2018 | 9 |
| 2019 | 4 |
| 2020 | 4 |
| 2021 | 12 |
| 2022 | 7 |
| 2023 | 6 |
| 2024 | 19 |
| 2025 | 14 |
| 2026year in progress | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Heritage Financial Group, Inc.
Heritage Financial Group, Inc. draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. No product draws more complaints than "Vehicle loan or lease," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Managing the loan or lease" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Heritage Financial Group, 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 dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Heritage Financial Group, Inc. have?
The CFPB has logged 92 complaints against Heritage Financial Group, Inc. to date, of which 19 came in over the last 12 months.
Does Heritage Financial Group, Inc. respond to complaints on time?
Heritage Financial Group, Inc.'s CFPB timely-response rate is 97.8%. This is considered excellent.
What product generates the most complaints for Heritage Financial Group, Inc.?
The most complained-about product for Heritage Financial Group, Inc. is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Heritage Financial Group, Inc.?
"Managing the loan or lease" is the single most frequently cited issue in complaints against Heritage Financial Group, Inc. - see all issues and counts above.
How do I file a complaint against Heritage Financial Group, Inc.?
You can file a complaint against Heritage Financial Group, 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 Heritage Financial Group, Inc.?
Consumers in 12 states and territories have filed complaints about Heritage Financial Group, Inc. 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.