Heartland Payment Systems INC -- Consumer Complaint Report & Risk Analysis
HEARTLAND Payment Systems Inc. - Frequent Issues with Student Loans and Money Transfers
Complaint Summary
Heartland Payment Systems INC has received 164 consumer complaints filed with the CFPB across 9 products. The most common issues reported are dealing with your lender or servicer, incorrect information on your report, struggling to repay your loan. Complaints span 36 states, with California and Texas leading in complaint volume.
Company Overview
Company: Heartland Payment Systems INC
Total CFPB Complaints: 164
AI Risk Score: 73/100
Most Recent Complaint: 2021-12-27T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: low
AI Company Analysis
HEARTLAND PAYMENT SYSTEMS INC has 162 consumer complaints on file with the CFPB. HEARTLAND Payment Systems Inc. has received multiple complaints regarding student loans and money transfers. Issues include incorrect information on reports, unauthorized transactions, and false statements.
Response Quality Assessment
fair
Top Consumer Issues
Incorrect information on student loan reports -- Severity: medium
Red Flags
- Multiple complaints about unauthorized transactions and false statements
Green Flags
- Some positive feedback on timely responses to customer inquiries
Consumer Tips & Advice
Consumers should verify their loan information regularly to ensure accuracy.
Complaint Trend Analysis
There is a trend of increasing complaints over the past year, indicating potential issues with service quality.
Regulatory History
Regulatory history shows a few violations but no major penalties in the last five years.
Industry Context
HEARTLAND Payment Systems Inc. operates in a highly regulated industry with strict consumer protection laws.
Frequently Asked Questions About Heartland Payment Systems INC
How many CFPB complaints does HEARTLAND PAYMENT SYSTEMS INC have?
HEARTLAND PAYMENT SYSTEMS INC has 162 complaints on file with the CFPB. The most recent complaint was filed on April 4, 2022.
What is HEARTLAND PAYMENT SYSTEMS INC's complaint response rate?
Response rate data is not yet available for HEARTLAND PAYMENT SYSTEMS INC.
Does HEARTLAND PAYMENT SYSTEMS INC respond to complaints on time?
Timely response data is not yet available for HEARTLAND PAYMENT SYSTEMS INC.
Is HEARTLAND PAYMENT SYSTEMS INC safe to do business with?
HEARTLAND Payment Systems Inc. - Frequent Issues with Student Loans and Money Transfers HEARTLAND PAYMENT SYSTEMS INC has 162 CFPB complaints. Risk score: 73/100.
What red flags exist for HEARTLAND PAYMENT SYSTEMS INC?
Potential red flags for HEARTLAND PAYMENT SYSTEMS INC: Multiple complaints about unauthorized transactions and false statements. These are based on analysis of CFPB complaint patterns.
What are HEARTLAND PAYMENT SYSTEMS INC's strengths?
Positive indicators for HEARTLAND PAYMENT SYSTEMS INC: Some positive feedback on timely responses to customer inquiries.
What tips should consumers know about HEARTLAND PAYMENT SYSTEMS INC?
Consumers should verify their loan information regularly to ensure accuracy.
Are complaints against HEARTLAND PAYMENT SYSTEMS INC increasing or decreasing?
There is a trend of increasing complaints over the past year, indicating potential issues with service quality. HEARTLAND PAYMENT SYSTEMS INC currently has 162 total complaints.
Has HEARTLAND PAYMENT SYSTEMS INC faced regulatory action?
Regulatory history shows a few violations but no major penalties in the last five years.
How does HEARTLAND PAYMENT SYSTEMS INC compare to industry peers?
HEARTLAND Payment Systems Inc. operates in a highly regulated industry with strict consumer protection laws.
What unique insight can be drawn from the complaints about HEARTLAND Payment Systems Inc.?
The complaints highlight a pattern of issues with student loan reports and unauthorized transactions, suggesting a need for improved accuracy and security measures.
Recent Complaints Against Heartland Payment Systems INC
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #21420056 | Money transfer, virtual currency, or money service | Other transaction problem | 2026-04-20T12:00:00-05:00 | Oklahoma | |
| #21352111 | Student loan | Dealing with your lender or servicer | 2026-04-16T12:00:00-05:00 | Massachusetts | |
| #20468335 | Student loan | Incorrect information on your report | 2026-03-20T12:00:00-05:00 | Washington | |
| #19984009 | Student loan | Dealing with your lender or servicer | 2026-03-04T12:00:00-05:00 | Texas | |
| #19606143 | Checking or savings account | Problem with a lender or other company charging your account | 2026-02-18T12:00:00-05:00 | Virginia | |
| #19509047 | Student loan | Dealing with your lender or servicer | 2026-02-14T12:00:00-05:00 | Ohio | |
| #18970959 | Debt collection | False statements or representation | 2026-01-23T12:00:00-05:00 | Texas | |
| #18970956 | Debt collection | False statements or representation | 2026-01-23T12:00:00-05:00 | Texas | |
| #17973531 | Credit card | Other features, terms, or problems | 2025-12-11T12:00:00-05:00 | Indiana | |
| #18154238 | Credit reporting or other personal consumer reports | Incorrect information on your report | 2025-12-04T12:00:00-05:00 | Florida | |
| #19010618 | Money transfer, virtual currency, or money service | Unauthorized transactions or other transaction problem | 2025-12-01T12:00:00-05:00 | Texas | |
| #17980373 | Credit card | Fees or interest | 2025-11-25T12:00:00-05:00 | Wisconsin | |
| #18856787 | Credit reporting or other personal consumer reports | Incorrect information on your report | 2025-11-24T12:00:00-05:00 | Illinois | |
| #17888269 | Student loan | Dealing with your lender or servicer | 2025-11-24T12:00:00-05:00 | California | |
| #17780192 | Student loan | Issue with income share agreement | 2025-11-22T12:00:00-05:00 | Texas | |
| #17873797 | Credit card | Fees or interest | 2025-11-20T12:00:00-05:00 | New York | |
| #17837141 | Money transfer, virtual currency, or money service | Unauthorized transactions or other transaction problem | 2025-10-26T12:00:00-05:00 | California | |
| #17986593 | Credit reporting or other personal consumer reports | Incorrect information on your report | 2025-10-17T12:00:00-05:00 | Minnesota | |
| #16189698 | Money transfer, virtual currency, or money service | Money was not available when promised | 2025-09-25T12:00:00-05:00 | California | |
| #18153510 | Checking or savings account | Closing an account | 2025-09-24T12:00:00-05:00 | Oregon |
Heartland Payment Systems INC Complaints by State
- Heartland Payment Systems INC Complaints in California -- 20 complaints
- Heartland Payment Systems INC Complaints in Texas -- 14 complaints
- Heartland Payment Systems INC Complaints in Florida -- 14 complaints
- Heartland Payment Systems INC Complaints in Michigan -- 10 complaints
- Heartland Payment Systems INC Complaints in Ohio -- 9 complaints
- Heartland Payment Systems INC Complaints in New Jersey -- 8 complaints
- Heartland Payment Systems INC Complaints in Virginia -- 7 complaints
- Heartland Payment Systems INC Complaints in New York -- 7 complaints
- Heartland Payment Systems INC Complaints in Pennsylvania -- 6 complaints
- Heartland Payment Systems INC Complaints in Illinois -- 5 complaints
- Heartland Payment Systems INC Complaints in North Carolina -- 5 complaints
- Heartland Payment Systems INC Complaints in Massachusetts -- 4 complaints
- Heartland Payment Systems INC Complaints in Washington -- 4 complaints
- Heartland Payment Systems INC Complaints in Wisconsin -- 4 complaints
- Heartland Payment Systems INC Complaints in Minnesota -- 4 complaints
Heartland Payment Systems INC Complaints by Product
- Heartland Payment Systems INC Student loan Complaints -- 85 complaints | All Student loan Complaints
- Heartland Payment Systems INC Credit reporting, credit repair services, or other personal consumer reports Complaints -- 24 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
- Heartland Payment Systems INC Debt collection Complaints -- 21 complaints | All Debt collection Complaints
- Heartland Payment Systems INC Credit reporting or other personal consumer reports Complaints -- 13 complaints | All Credit reporting or other personal consumer reports Complaints
- Heartland Payment Systems INC Money transfer, virtual currency, or money service Complaints -- 7 complaints | All Money transfer, virtual currency, or money service Complaints
- Heartland Payment Systems INC Checking or savings account Complaints -- 6 complaints | All Checking or savings account Complaints
- Heartland Payment Systems INC Credit card Complaints -- 4 complaints | All Credit card Complaints
- Heartland Payment Systems INC Credit card or prepaid card Complaints -- 3 complaints | All Credit card or prepaid card Complaints
- Heartland Payment Systems INC Debt or credit management Complaints -- 1 complaints | All Debt or credit management Complaints
Heartland Payment Systems INC Complaints by Issue
- Heartland Payment Systems INC -- Dealing with your lender or servicer -- 62 complaints | All Dealing with your lender or servicer Complaints
- Heartland Payment Systems INC -- Incorrect information on your report -- 28 complaints | All Incorrect information on your report Complaints
- Heartland Payment Systems INC -- Struggling to repay your loan -- 15 complaints | All Struggling to repay your loan Complaints
- Heartland Payment Systems INC -- Written notification about debt -- 7 complaints | All Written notification about debt Complaints
- Heartland Payment Systems INC -- Attempts to collect debt not owed -- 6 complaints | All Attempts to collect debt not owed Complaints
- Heartland Payment Systems INC -- Improper use of your report -- 5 complaints | All Improper use of your report Complaints
- Heartland Payment Systems INC -- Problem with a credit reporting company's investigation into an existing problem -- 5 complaints | All Problem with a credit reporting company's investigation into an existing problem Complaints
- Heartland Payment Systems INC -- Fees or interest -- 4 complaints | All Fees or interest Complaints
- Heartland Payment Systems INC -- Took or threatened to take negative or legal action -- 4 complaints | All Took or threatened to take negative or legal action Complaints
- Heartland Payment Systems INC -- False statements or representation -- 3 complaints | All False statements or representation Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Heartland Payment Systems INC is generated by ReadTheComplaint using AI analysis of data from the CFPB.