CFPB Consumer Complaint Profile
HIGHLAND FINANCIAL SERVICES (Closed)
What 37 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 37
- Total complaints
- Mid-range
- 0
- Last 12 months
- 51.4%
- Timely response
- Bottom decile
- 20
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, HIGHLAND FINANCIAL SERVICES (Closed) sits at #2112, with 37 complaints logged. On-time replies land at 51.4%, the 3rd percentile for the 100+ complaint peer group.
- #2112
- of 3,843 companies by volume
- 51.4%
- on time (3rd pctile)
- Debt collection
- most-complained product
- 20
- 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.
HIGHLAND FINANCIAL SERVICES (Closed) vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
51.4% Among the lowest higher than 3% 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 2014 to 2015 complete years
- Annual CFPB complaint volume moved from 29 in 2014 to 8 in 2015 (2014 → 2015).
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 |
|---|---|
| 2014 | 29 |
| 2015 | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for HIGHLAND FINANCIAL SERVICES (Closed)
The CFPB Consumer Complaint Database has logged 37 complaints against HIGHLAND FINANCIAL SERVICES (Closed) overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 20 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Taking/threatening an illegal action" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against HIGHLAND FINANCIAL SERVICES (Closed) draw a 51.4% reply rate inside the Bureau's 15-day window. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. The company's response carried a 21.6% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 18.9%.
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 HIGHLAND FINANCIAL SERVICES (Closed) have?
37 complaints have been filed against HIGHLAND FINANCIAL SERVICES (Closed) with the CFPB overall - 0 of them in the past year.
Does HIGHLAND FINANCIAL SERVICES (Closed) respond to complaints on time?
CFPB complaints against HIGHLAND FINANCIAL SERVICES (Closed) draw a 51.4% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for HIGHLAND FINANCIAL SERVICES (Closed)?
The most complained-about product for HIGHLAND FINANCIAL SERVICES (Closed) is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with HIGHLAND FINANCIAL SERVICES (Closed)?
"Taking/threatening an illegal action" is the single most frequently cited issue in complaints against HIGHLAND FINANCIAL SERVICES (Closed) - see all issues and counts above.
How do I file a complaint against HIGHLAND FINANCIAL SERVICES (Closed)?
You can file a complaint against HIGHLAND FINANCIAL SERVICES (Closed) 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 HIGHLAND FINANCIAL SERVICES (Closed)?
The CFPB has recorded complaints against HIGHLAND FINANCIAL SERVICES (Closed) from 20 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for HIGHLAND FINANCIAL SERVICES (Closed): 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 (21.6% 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.