Personal, payday and title loans
Harpeth Financial Services: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 25
- Closed with money back
- 0
- 2023 to 2025
- 7 to 11
Harpeth Financial Services received 284 complaints from everyone in the window; 25 carried the servicemember tag. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Charged fees or interest you didn't expect". 0 of the 25 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 7 in 2023 to 11 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 11 |
| Debt collection | 8 |
| Payday loan, title loan, or personal loan | 3 |
| Credit reporting or other personal consumer reports | 2 |
| Checking or savings account | 1 |
By issue
| Charged fees or interest you didn't expect | 8 |
| Took or threatened to take negative or legal action | 3 |
| Attempts to collect debt not owed | 2 |
| False statements or representation | 2 |
| Incorrect information on your report | 2 |
| 2023: 7 | 2024: 7 | 2025: 11 |
Which accounts, specifically
| Personal line of credit | 11 |
| Payday loan debt | 6 |
| Payday loan | 6 |
| Installment loan | 3 |
| I do not know | 2 |
What went wrong, specifically
| Debt is not yours | 2 |
| Attempted to collect wrong amount | 2 |
| Sued you without properly notifying you of lawsuit | 2 |
| Seized or attempted to seize your property | 1 |
| Reporting company used your report improperly | 1 |
Busiest month: August 2025, with 3 servicemember complaints. Most were submitted by web.
Most complaints came from TN (6), FL (3), TX (3) , then MI, MN, OH.
How Harpeth Financial Services answered
| Closed with explanation | 25 |
Harpeth Financial Services responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; False statements or representation. TN, 2024-07-05. Outcome: Closed with explanation. Complaint 9431174
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Debt collection; False statements or representation. TN, 2024-06-17. Outcome: Closed with explanation. Complaint 9273009
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Debt collection; Attempts to collect debt not owed. TX, 2024-05-13. Outcome: Closed with explanation. Complaint 8999697
If this is your problem at Harpeth Financial Services
"Charged fees or interest you didn't expect" is the kind of dispute the SCRA's 6% cap settles for pre-service debt: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with personal, payday and title loans peers
- Skopos Financial 28 servicemember complaints; 0 with money back
- Bankers Healthcare 30 servicemember complaints; 0 with money back
- Duvera Billing Services 33 servicemember complaints; 0 with money back
- Sunlight Financial 33 servicemember complaints; 0 with money back
- Sop Pioneer Partners 43 servicemember complaints; 0 with money back
Next in the directory by volume: Nationwide Capital Services, Revolut Technologies, Security Service FCU.
Frequently asked questions
How many complaints did servicemembers file against Harpeth Financial Services?
25 complaints tagged servicemember were received by the CFPB about Harpeth Financial Services, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 7 in 2023 to 11 in 2025.
What do servicemembers complain about most at Harpeth Financial Services?
Payday loan, title loan, personal loan, or advance loan accounts for 11 of the 25 complaints, and the most common issue is "Charged fees or interest you didn't expect" (8). Next: "Took or threatened to take negative or legal action" (3).
Does Harpeth Financial Services give money back when a servicemember complains?
0 of the 25 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 25 closed with an explanation only. Harpeth Financial Services answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.