2026 data Public-data reference. official source

First Credit Services Inc.

Sourced from the CFPB Consumer Complaint Database.

PlainCredit home → About this data

Debt Collector, CFPB Complaint Profile Specializes in: Other debt

1,253
Debt Collection Complaints
85.6%
of All Complaints
99.5%
Timely Response
0.2%
Closed with Relief

Debt Collection Complaint Breakdown

Other debt 575
I do not know 435
Other (i.e. phone, health club, etc.) 149
Credit card debt 47
Auto debt 19
Telecommunications debt 7
Medical debt 7
Auto 5
Medical 3
Credit card 2
Payday loan debt 2
Mortgage debt 1
Private student loan debt 1

Top Complaint Issues

1.Attempts to collect debt not owed 519
2.Written notification about debt 227
3.Communication tactics 116
4.Took or threatened to take negative or legal action 116
5.False statements or representation 113
6.Cont'd attempts collect debt not owed 95
7.Incorrect information on your report 90
8.Improper use of your report 73
9.Disclosure verification of debt 36
10.Problem with a company's investigation into an existing problem 23

Company Responses

Closed with explanation 1,460
Closed with non-monetary relief 3
Consumers who disputed the response 15.1%
Credit utilization context for debt-collection consumers

Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-50 to -70)75-100Maxed (-70 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Year

Year Complaints
2013 17
2014 69
2015 34
2016 42
2017 55
2018 47
2019 62
2020 93
2021 103
2022 85
2023 112
2024 192
2025 441
2026 111

Complaints by State (Top 15)

Florida 305
Texas 163
Georgia 130
New Jersey 110
California 77
New York 70
Massachusetts 64
Maryland 53
Michigan 46
Louisiana 46
Virginia 37
Tennessee 30
Pennsylvania 30
South Carolina 30
North Carolina 29

Other Complaint Types

Credit reporting or other personal consumer reports - Credit reporting 150
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 53
Bank account or service - Other bank product/service 1
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services 1
Mortgage - Conventional home mortgage 1
Credit reporting or other personal consumer reports - Other personal consumer report 1
Your Rights with Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.

  • Request written verification of any debt within 30 days of first contact
  • Dispute a debt if you believe it is incorrect or does not belong to you
  • Demand the collector stop contacting you (in writing)
  • File a complaint with the CFPB at consumerfinance.gov/complaint
Full complaint profile for First Credit Services Inc. → All debt collectors →

What the CFPB Record Shows for First Credit Services Inc.

1,253 debt-collection complaints against First Credit Services Inc. appear in the CFPB record - 85.6% of the 1,463 complaints filed about this entity. The 50 states and territories represented make this a nationwide operation by complaint volume. Consumers most frequently describe "Other debt" as the debt type behind their complaint about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.

99.5% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is at or above benchmark levels, pointing to an intake process working as intended. 0.2% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. The response was formally disputed in 15.1% of resolved cases, indicating how frequently the initial fix fell short.

How to read these numbers, and what to do if you're disputing a charge

Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

Frequently Asked Questions

How many debt collection complaints does First Credit Services Inc. have?

1,253 debt-collection complaints against First Credit Services Inc. appear in the CFPB record - 85.6% of the company's total complaint volume.

Does First Credit Services Inc. respond to complaints on time?

99.5% of the CFPB complaints against First Credit Services Inc. get a response within the expected window. That is a strong response record by CFPB standards.

Does First Credit Services Inc. provide relief to consumers?

0.2% of resolved complaints against First Credit Services Inc. were closed with some form of consumer relief (monetary or non-monetary).

What type of debt does First Credit Services Inc. primarily collect?

"Other debt" is the debt type First Credit Services Inc. is most associated with in CFPB complaint data - see the full breakdown above.

What rights do I have against First Credit Services Inc.?

Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.

In how many states is First Credit Services Inc. active?

CFPB data shows consumer complaints against First Credit Services Inc. from 50 states and territories.

Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.

Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.

Read our methodology - how this data is sourced, computed, and verified.