We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Collections Agencies

Harvard Collection Services LLC
BBB accredited business seal
BBB Accredited BusinessB+Rated by BBB

Complaints

Customer Complaints Summary

  • 171 total complaints in the last 3 years.
  • 44 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:04/04/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I honestly dont get why HARVARD COLLECTION SER is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ******** Amount Disputed: $ 618

    Business Response

    Date: 04/15/2025

    Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.

    The account at issue was assigned by our client, the **************************** Services,on October 02, 2023, in the name of OVERALL,*******. On October 03, 2023, a notice was mailed to the last known address of the consumer.

    Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.  We have requested documentation from our client which will be forwarded upon receipt.

    If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.

    Sincerely,

    Harvard Collection Services (HCS)

  • Initial Complaint

    Date:04/04/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This complaint concerns a debt collection agency that has vigorously attempted to destroy my credit standing without performing proper due diligence.The company in which this collection agency ( Harvard Collection Services) has taken on this dubious claim of unpaid funds, neglecting to close my account with said company while continuing to charge an account that has been closed with no pending balance due.This collection services agency never requesting all documents necessary in order to retain a full and unbiased view regarding the account in which they are claiming " unpaid balance due "Because of they're lack of proper due diligence , a derogatory **** has been placed on my credit profile preventing me from establishing credit with any lending institution based on the previously mentioned derogatory **** on my credit report.

    Business Response

    Date: 04/15/2025

    Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.

    The account at issue was assigned by our client, ***************************, on September 10, 2024, in the name of ******, *******. On October 28, 2024, a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.

    We received a dispute through the credit reporting system on March 19, 2025, following which we requested an itemized statement from our client, which will be mailed to the consumer's postal address as soon as we receive it from our client.

    We have documented the account as disputed and the matter was submitted for credit deletion.

    If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.

    Sincerely,

    Harvard Collection Services (HCS)

  • Initial Complaint

    Date:03/27/2025

    Type:Order Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with ***************************. I do not have a contract with Harvard Collection Services, they did not provide me with the original contract as requested.

    Business Response

    Date: 03/31/2025

    Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.

    The account at issue was assigned by our client,***************************, on May 15, 2024, in the name of ********, ****. On July 01, 2024, a notice was mailed to the last known address of the consumer.We do not own the debt, it was placed with us by our client.

    Upon receipt of the BBB complaint, we have documented the account and submitted the account for credit deletion. Additionally, we have requested an itemized statement from our client, which will be mailed to the consumer's postal address mentioned in the complaint as soon as we receive it from our client.

    If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.

    Sincerely,

    Harvard Collection Services (HCS)

    Customer Answer

    Date: 04/02/2025

     
    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    **** ********

  • Initial Complaint

    Date:03/13/2025

    Type:Order Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I'm not liable for this debt with HARVARD COLLECTION SERV. I do not have a contract with HARVARD COLLECTION SERV, they did not provide me with the original contract as I requested.

    Business Response

    Date: 03/24/2025

    Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.

    The account at issue was assigned by our client, the **************************** Services,on September 03, 2024, in the name of  STARWIN, JACE. On September *******, a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.

    Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.  Additionally, we have requested an itemized statement from our client, which will be mailed to the consumer's postal address as soon as we receive it from our client.

    If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.

    Sincerely,

    Harvard Collection Services (HCS)

    Customer Answer

    Date: 03/31/2025

     
    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I am writing to acknowledge that the collection account has been removed from my credit report. I appreciate the BBB's assistance in resolving this issue, and I am grateful for your efforts in mediating the dispute. I took the following steps to resolve this: filing a dispute with Experian and the BBB. I am pleased with the outcome and appreciate the BBB's role in facilitating a positive resolution.
    Sincerely,

    Jace Starwin

  • Initial Complaint

    Date:03/06/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Im not liable for this debt with HARVARD COLLECTION. I do not have a contract with the I HARVARD COLLECTION they did n to provide me with the original contract as requested.

    Business Response

    Date: 03/14/2025

    Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.

    The account at issue was assigned by our client, the **************************** Services,on August 01, 2024, in the name of *****,******. On August 02, 2024, a notice was mailed to the last known address of the consumer. We do not own the debt,it was placed with us by our client.

    Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.

    If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.

    Sincerely,

    Harvard Collection Services (HCS)

  • Initial Complaint

    Date:02/19/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for the debt with ***************************. I do not have a contract with Harvard Collection Service, they did not provide me with the original contract as requested.

    Business Response

    Date: 02/26/2025

    Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.

    The account at issue was assigned by our client, ***************************, on May *******, in the name of O'*****, *****. On July 18, 2023, a notice was mailed to the last known address of the consumer.

    Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.

    Furthermore,we placed the account on hold and requested the itemized statement from our client, which will be mailed to the consumer's postal address once we receive it from our client.

    If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.


    Sincerely,

    Harvard Collection Services (HCS)

  • Initial Complaint

    Date:02/18/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable with this debt with Harvard Collection Serv. I do not have a contract with Harvard Collection Serv, They did not provide the original contract as I requested.

    Business Response

    Date: 02/21/2025

    Thank you for your recent correspondence.  We appreciate the opportunity to respond to the concerns of the consumer regarding the activity of Harvard Collection Services.
    Unfortunately, with the information provided we have not been able to identify the account at issue. Please provide more identifying information, perhaps a maiden name, and we will be happy to again search our records and resolve the concern.
    If we can be of further assistance, please feel free to contact us at ************.
    Sincerely,
    Harvard Collection Services

  • Initial Complaint

    Date:02/17/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with ***. I do not have a contract with Harvard Collection Services LLC, they did not provide me with the original contract as I requested.

    Business Response

    Date: 02/28/2025

    Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.

    The account at issue was assigned by our client, the **************************** Services,on October 01, 2024, in the name of ******,******. On October 02, 2024, a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.

    Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion. Further, we placed the account on hold and requested an itemized statement from our client, which will be mailed to the consumer's postal address once we receive it from our client.

    If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.

    Sincerely,

    Harvard Collection Services (HCS)

  • Initial Complaint

    Date:02/16/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    i am not liable for this debt with HARVARD COLLECTION SER, i do not have a contract with HARVARD COLLECTION SER, they did not provide me with the original contract as i requested.

    Business Response

    Date: 02/21/2025

    Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.

    The account at issue was assigned by our client, ***************************, on August *******, in the name of ******, ********. On October 11, 2024, a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.

    We received a dispute through the credit reporting system on February 10, 2025. We placed the account on hold and requested the itemized statement from our client, which will be mailed to the consumer's postal address once we receive it from our client.

    Upon receipt of the BBB complaint, we have documented the account and submitted the account for credit deletion.

    If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.

    Sincerely,

    Harvard Collection Services (HCS)

  • Initial Complaint

    Date:02/12/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I'am not liable for this debt with Harvard collection service ,I Do not have a contract with the collection agency trying to report this to my credit report .Nor did they provide me with the original contract as I requested .I demand this account be removed from my credit report

    Business Response

    Date: 02/21/2025

    Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.

    The account at issue was assigned by our client, the **************************** Services,on May 1, 2023, in the name of ********,******. On May 2, 2023, a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.

    We received a dispute through the credit reporting system on February 10, 2025. Upon receipt of the dispute, we placed the account on hold and requested an itemized statement from our client.  Additionally, the account has been submitted for credit deletion.

    If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.

    Sincerely,

    Harvard Collection Services (HCS)

Harvard Collection Services LLC is BBB Accredited.

BBB accredited business seal

This business has committed to upholding the BBB Standards for Trust.

Why choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.