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Data / Consumer complaints / Heartland Payment Systems Inc

Heartland Payment Systems Inc: 537 CFPB consumer complaints in the last 3 years

Heartland Payment Systems Inc drew 537 consumer complaints in the CFPB database in the three years to November 6, 2026, and 1,447 since 2012. The largest group, 226, was about student loan, and the most common issue was “Dealing with your lender or servicer” with 165. The company responded on time to 95.9% of the complaints, and 0.0% closed with monetary or other relief. The CFPB records the company as HEARTLAND PAYMENT SYSTEMS INC.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every student loan companyGet student loan in California
  • 537Complaints, last 3 years
  • 1,447Complaints, all years
  • 95.9%Responded on time
  • 0.0%Closed with relief
  • 7Products
  • Oct 31, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6175
2025208
2024126
2023131
2022104
202175
202089
201980
2018164
2017122
2016106
201535
201418
20139
20125

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Student loan22642.1%
Credit reporting or other personal consumer reports11220.9%
Credit card5710.6%
Money transfer, virtual currency, or money service539.9%
Debt collection478.8%
Checking or savings account387.1%
Debt or credit management40.7%

Issues

IssueComplaintsShare
Dealing with your lender or servicer16530.7%
Incorrect information on your report9317.3%
Struggling to repay your loan305.6%
Fees or interest285.2%
Problem with a company's investigation into an existing problem234.3%
Problem with a lender or other company charging your account224.1%
Problem with a purchase shown on your statement193.5%
Attempts to collect debt not owed183.4%
Unauthorized transactions or other transaction problem173.2%
Improper use of your report142.6%
Written notification about debt132.4%
Managing an account112%
Unexpected or other fees101.9%
False statements or representation81.5%
Other transaction problem81.5%
Getting a loan61.1%
Closing your account50.9%
Fraud or scam50.9%
Wrong amount charged or received50.9%
Took or threatened to take negative or legal action40.7%
Closing an account30.6%
Money was not available when promised30.6%
Other features, terms, or problems30.6%
Advertising and marketing, including promotional offers20.4%
Charged upfront or unexpected fees20.4%

How the company responded

Company responseComplaintsShare
Closed with explanation537100%

States

StateComplaintsShare
California5710.6%
New York448.2%
Texas366.7%
Florida356.5%
Pennsylvania326%
New Jersey295.4%
Illinois224.1%
Georgia193.5%
Ohio183.4%
Michigan173.2%
North Carolina163%
Virginia152.8%
Massachusetts142.6%
Tennessee122.2%
Oregon112%
Connecticut101.9%
District of Columbia101.9%
Missouri101.9%
South Carolina101.9%
Washington91.7%
Maryland81.5%
Nevada81.5%
Wisconsin81.5%
Indiana71.3%
Arizona61.1%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 31, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
October 29, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 29, 2026Money transfer, virtual currency, or money serviceMoney was not available when promisedClosed with explanationconsumerfinance.gov
October 22, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
October 22, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
October 21, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
October 21, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
October 20, 2026Student loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 20, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
October 14, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
October 7, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 3, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
September 29, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
September 29, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
September 26, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
September 26, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
September 24, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
September 23, 2026Money transfer, virtual currency, or money serviceOther transaction problemClosed with explanationconsumerfinance.gov
September 23, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
September 19, 2026Student loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 16, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
September 15, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
September 8, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
September 8, 2026Money transfer, virtual currency, or money serviceOther transaction problemClosed with explanationconsumerfinance.gov
September 6, 2026Money transfer, virtual currency, or money serviceUnauthorized transactions or other transaction problemClosed with explanationconsumerfinance.gov
September 4, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
September 1, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
September 1, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 31, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 28, 2026Money transfer, virtual currency, or money serviceFraud or scamClosed with explanationconsumerfinance.gov
August 27, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 27, 2026Money transfer, virtual currency, or money serviceFraud or scamClosed with explanationconsumerfinance.gov
August 26, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 24, 2026Money transfer, virtual currency, or money serviceOther service problemClosed with explanationconsumerfinance.gov
August 21, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 17, 2026Money transfer, virtual currency, or money serviceUnauthorized transactions or other transaction problemClosed with explanationconsumerfinance.gov
August 17, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 17, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
August 14, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
August 12, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 11, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 11, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 6, 2026Checking or savings accountProblem caused by your funds being lowClosed with explanationconsumerfinance.gov
August 3, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
August 3, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
July 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.