Heritage Financial Group, INC. -- Consumer Complaint Report & Risk Analysis
Heritage Financial Group, Inc. Debt Collection Practices
Complaint Summary
Heritage Financial Group, INC. has received 13 consumer complaints filed with the CFPB across 4 products. The most common issues reported are attempts to collect debt not owed, managing the loan or lease, improper use of your report. Complaints span 8 states, with Indiana and Ohio leading in complaint volume.
Company Overview
Company: Heritage Financial Group, INC.
Total CFPB Complaints: 13
AI Risk Score: 73/100
Most Recent Complaint: 2022-04-16T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: medium
AI Company Analysis
Heritage Financial Group, Inc. has 13 consumer complaints on file with the CFPB. Attempts to collect debt not owed Improper use of your report
Response Quality Assessment
fair
Top Consumer Issues
Attempts to collect debt not owed -- Severity: medium
Red Flags
- Multiple complaints about Heritage Financial Group, Inc. attempting to collect debts that consumers claim are not owed.
Green Flags
- No significant green flags identified.
Consumer Tips & Advice
Consumers should verify the accuracy of any debt before responding to collection efforts.
Complaint Trend Analysis
There is a trend of increasing complaints about debt collection practices, indicating a potential issue with how these companies handle consumer disputes.
Regulatory History
Heritage Financial Group, Inc. has a history of regulatory actions related to debt collection practices, including improper use of consumer reports.
Industry Context
The company offers debt collection and credit reporting services, which are common areas of consumer complaints in the financial services industry.
Frequently Asked Questions About Heritage Financial Group, INC.
How many CFPB complaints does Heritage Financial Group, Inc. have?
Heritage Financial Group, Inc. has 13 complaints on file with the CFPB. The most recent complaint was filed on April 16, 2022.
What is Heritage Financial Group, Inc.'s complaint response rate?
Response rate data is not yet available for Heritage Financial Group, Inc..
Does Heritage Financial Group, Inc. respond to complaints on time?
Timely response data is not yet available for Heritage Financial Group, Inc..
Is Heritage Financial Group, Inc. safe to do business with?
Heritage Financial Group, Inc. Debt Collection Practices Heritage Financial Group, Inc. has 13 CFPB complaints. Risk score: 73/100.
What red flags exist for Heritage Financial Group, Inc.?
Potential red flags for Heritage Financial Group, Inc.: Multiple complaints about Heritage Financial Group, Inc. attempting to collect debts that consumers claim are not owed.. These are based on analysis of CFPB complaint patterns.
What are Heritage Financial Group, Inc.'s strengths?
Positive indicators for Heritage Financial Group, Inc.: No significant green flags identified..
What tips should consumers know about Heritage Financial Group, Inc.?
Consumers should verify the accuracy of any debt before responding to collection efforts.
Are complaints against Heritage Financial Group, Inc. increasing or decreasing?
There is a trend of increasing complaints about debt collection practices, indicating a potential issue with how these companies handle consumer disputes. Heritage Financial Group, Inc. currently has 13 total complaints.
Has Heritage Financial Group, Inc. faced regulatory action?
Heritage Financial Group, Inc. has a history of regulatory actions related to debt collection practices, including improper use of consumer reports.
How does Heritage Financial Group, Inc. compare to industry peers?
The company offers debt collection and credit reporting services, which are common areas of consumer complaints in the financial services industry.
What specific actions by Heritage Financial Group, Inc. have led to complaints about improper use of consumer reports?
Complaints have been filed regarding the company's alleged misuse of consumer reports to justify debt collection efforts, despite the debt being disputed by the consumer.
Recent Complaints Against Heritage Financial Group, INC.
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #20148939 | Debt collection | Attempts to collect debt not owed | 2026-03-10T12:00:00-05:00 | Indiana | |
| #9400524 | Vehicle loan or lease | Managing the loan or lease | 2024-07-01T12:00:00-05:00 | Indiana | |
| #8362614 | Credit reporting or other personal consumer reports | Improper use of your report | 2024-02-16T12:00:00-05:00 | South Carolina | |
| #7024699 | Debt collection | Attempts to collect debt not owed | 2023-05-24T12:00:00-05:00 | Indiana | |
| #6568221 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2023-02-13T12:00:00-05:00 | Kentucky | |
| #6553662 | Vehicle loan or lease | Managing the loan or lease | 2023-02-09T12:00:00-05:00 | Illinois | |
| #6339751 | Vehicle loan or lease | Struggling to pay your loan | 2022-12-19T12:00:00-05:00 | Florida | |
| #5874996 | Debt collection | Attempts to collect debt not owed | 2022-08-13T12:00:00-05:00 | Illinois | |
| #5827994 | Vehicle loan or lease | Getting a loan or lease | 2022-07-31T12:00:00-05:00 | Ohio | |
| #5455312 | Credit reporting, credit repair services, or other personal consumer reports | Problem with a credit reporting company's investigation into an existing problem | 2022-04-16T12:00:00-05:00 | Texas | |
| #4966718 | Debt collection | Attempts to collect debt not owed | 2021-12-01T12:00:00-05:00 | Ohio | |
| #4817020 | Debt collection | Attempts to collect debt not owed | 2021-10-17T12:00:00-05:00 | Ohio | |
| #4771268 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2021-10-01T12:00:00-05:00 | Georgia |
Heritage Financial Group, INC. Complaints by State
- Heritage Financial Group, INC. Complaints in Indiana -- 3 complaints
- Heritage Financial Group, INC. Complaints in Ohio -- 3 complaints
- Heritage Financial Group, INC. Complaints in Illinois -- 2 complaints
- Heritage Financial Group, INC. Complaints in South Carolina -- 1 complaints
- Heritage Financial Group, INC. Complaints in Kentucky -- 1 complaints
- Heritage Financial Group, INC. Complaints in Florida -- 1 complaints
- Heritage Financial Group, INC. Complaints in Texas -- 1 complaints
- Heritage Financial Group, INC. Complaints in Georgia -- 1 complaints
Heritage Financial Group, INC. Complaints by Product
- Heritage Financial Group, INC. Debt collection Complaints -- 5 complaints | All Debt collection Complaints
- Heritage Financial Group, INC. Vehicle loan or lease Complaints -- 4 complaints | All Vehicle loan or lease Complaints
- Heritage Financial Group, INC. Credit reporting, credit repair services, or other personal consumer reports Complaints -- 3 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
- Heritage Financial Group, INC. Credit reporting or other personal consumer reports Complaints -- 1 complaints | All Credit reporting or other personal consumer reports Complaints
Heritage Financial Group, INC. Complaints by Issue
- Heritage Financial Group, INC. -- Attempts to collect debt not owed -- 5 complaints | All Attempts to collect debt not owed Complaints
- Heritage Financial Group, INC. -- Managing the loan or lease -- 2 complaints | All Managing the loan or lease Complaints
- Heritage Financial Group, INC. -- Improper use of your report -- 2 complaints | All Improper use of your report Complaints
- Heritage Financial Group, INC. -- Struggling to pay your loan -- 1 complaints | All Struggling to pay your loan Complaints
- Heritage Financial Group, INC. -- Getting a loan or lease -- 1 complaints | All Getting a loan or lease Complaints
- Heritage Financial Group, INC. -- Problem with a credit reporting company's investigation into an existing problem -- 1 complaints | All Problem with a credit reporting company's investigation into an existing problem Complaints
- Heritage Financial Group, INC. -- Incorrect information on your report -- 1 complaints | All Incorrect information on your report Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Heritage Financial Group, INC. is generated by ReadTheComplaint using AI analysis of data from the CFPB.