Heartland Payment Systems Inc. Consumer Complaints
Heartland Payment Systems Inc. has received 1,349 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 1,349 total complaints on file with the CFPB.
- Most complaints are about Student loan (811).
- Timely response rate: 95.3%.
- Consumer disputed rate: 19.9% of resolved complaints.
Complaints by Product
The following table shows how complaints against Heartland Payment Systems Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Student loan | 811 | 60.1% |
| Debt collection | 157 | 11.6% |
| Credit reporting, credit repair services, or other personal consumer reports | 118 | 8.7% |
| Credit reporting or other personal consumer reports | 115 | 8.5% |
| Credit card | 52 | 3.9% |
| Money transfer, virtual currency, or money service | 48 | 3.6% |
| Checking or savings account | 33 | 2.4% |
| Credit card or prepaid card | 10 | 0.7% |
| Bank account or service | 3 | 0.2% |
| Debt or credit management | 1 | 0.1% |
| Payday loan, title loan, or personal loan | 1 | 0.1% |
Most Common Issues
These are the specific issues consumers most frequently report about Heartland Payment Systems Inc..
Company Response Breakdown
When consumers file complaints, Heartland Payment Systems Inc. responds in one of several ways. The breakdown below shows how Heartland Payment Systems Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 1,336 | 99% |
| Untimely response | 8 | 0.6% |
| Closed with monetary relief | 2 | 0.1% |
| In progress | 2 | 0.1% |
| Closed | 1 | 0.1% |
Complaints by State
Top states where consumers have filed complaints against Heartland Payment Systems Inc..
| State | Complaints |
|---|---|
| California | 155 |
| New York | 121 |
| Florida | 83 |
| Texas | 77 |
| Pennsylvania | 70 |
| Illinois | 63 |
| Ohio | 63 |
| New Jersey | 61 |
| North Carolina | 44 |
| Michigan | 42 |
| Massachusetts | 41 |
| Washington | 41 |
| Georgia | 39 |
| Virginia | 35 |
| District of Columbia | 30 |
| Maryland | 30 |
| Oregon | 26 |
| Connecticut | 21 |
| South Carolina | 21 |
| Alabama | 20 |
Your Rights
What to do if you have a complaint against Heartland Payment Systems Inc.
- Contact Heartland Payment Systems Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Heartland Payment Systems Inc. have?
Heartland Payment Systems Inc. has 1,349 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Heartland Payment Systems Inc.?
The most common issue reported is Dealing with your lender or servicer with 502 complaints.
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How do I file a complaint against Heartland Payment Systems Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Heartland Payment Systems Inc. respond to complaints on time?
Heartland Payment Systems Inc. has a 95.3% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.