Debt collector · complaint record
Harvard Collections complaints
Filed under Harvard Collections, LLC
Consumers have filed 770 complaints about Harvard Collections since 2013, 65 of them in the last 12 months (-29% on the year before). It answered 98.5% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 770
- Last 12 months
- 65
- Answered on time
- 98.5%
- Closed with relief
- 0%
- Last 30 days
- 4
- Rank
- #269 of 1,963
Since July 2013
-29% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 30, 2026
Most complained-about debt collectors
Harvard Collections complaints by month
The busiest month was April 2021 (24 complaints). Complaints in the last 12 months are down 29% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Harvard Collections answered last 12 months
- Closed with explanation65100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time38/4598.5% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-29% vs last year
What Harvard Collections complaints are about
Top Harvard Collections problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 151
- Debt was result of identity theft 62
- Debt was paid 34
- Debt was already discharged in bankruptcy and is no longer owed 13
Where Harvard Collections complaints come from
Most complaints: Illinois (204), Florida (102), Texas (84), New York (74), Georgia (35).
Harvard Collections compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Oxygen XLDebt collection | 50 | 66 | C |
| 2 | ECon CreditDebt collection | 10 | 66 | F |
| 3 | Midwest Fidelity ServicesDebt collection | 55 | 65 | C |
| 4 | Collection ProfessionalsDebt collection | 15 | 65 | F |
| 5 | Harvard CollectionsDebt collection | 53 | 65 | C |
| 6 | RockLoansDebt collection | 0 | 64 | F |
| 7 | FMA AllianceDebt collection | 97 | 64 | A |
| 8 | Grant & WeberDebt collection | 50 | 64 | C |
Compare side by side: Harvard Collections vs Oxygen XL · Harvard Collections vs ECon Credit · Harvard Collections vs Midwest Fidelity Services · Harvard Collections vs Collection Professionals
What people say about Harvard Collections
All experiencesNo experiences with Harvard Collections yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Harvard Collections complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 4, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | Explained |
| Jul 28, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 21, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 8, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Questions about Harvard Collections
How many complaints does Harvard Collections have?
Harvard Collections has 770 complaints on record since July 2013, including 65 in the last 12 months and 4 in the last 30 days. That makes it number 596 of every company by complaints this year.
Does Harvard Collections respond to complaints?
Yes. Harvard Collections answered 98.5% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 53/100 (grade C).
What do people complain about most with Harvard Collections?
The most common problems are attempts to collect debt not owed (260), took or threatened to take negative or legal action (38), false statements or representation (62).
Is Harvard Collections legit?
Harvard Collections is a real company with a public complaint record: consumers have complained about it 770 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Harvard Collections legit? for the signals, red flags and how to protect yourself.
Are complaints about Harvard Collections going up or down?
Down. There were 65 complaints in the last 12 months against 92 in the 12 before (-29%). See every month.
How do I file a complaint against Harvard Collections?
Complain to Harvard Collections in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Harvard Collections complaints come from?
Most come from Illinois (204), Florida (102), Texas (84). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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