CFPB Consumer Complaint Profile
First Choice Loan Services Inc.
26 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 26
- Total complaints
- Mid-range
- 0
- Last 12 months
- 92.3%
- Timely response
- Bottom quartile
- 12
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, First Choice Loan Services Inc. has accumulated 26 complaints, placing it #2538 by volume. On-time replies land at 92.3%, the 22nd percentile for the 100+ complaint peer group.
- #2538
- of 3,843 companies by volume
- 92.3%
- on time (22nd pctile)
- Mortgage
- most-complained product
- 12
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
First Choice Loan Services Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.3% Among the lowest higher than 22% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 3 |
| 2013 | 2 |
| 2014 | 3 |
| 2015 | 3 |
| 2016 | 5 |
| 2018 | 4 |
| 2019 | 2 |
| 2020 | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Choice Loan Services Inc.
26 complaints against First Choice Loan Services Inc. appear in the CFPB record, including 0 from the trailing year. The 12 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Application, originator, mortgage broker" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
First Choice Loan Services Inc.'s timely response rate stands at 92.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. The company's response carried a 37.5% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 23.1% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does First Choice Loan Services Inc. have?
First Choice Loan Services Inc. has 26 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does First Choice Loan Services Inc. respond to complaints on time?
CFPB complaints against First Choice Loan Services Inc. draw a 92.3% timely-response rate inside the expected window.
What product generates the most complaints for First Choice Loan Services Inc.?
"Mortgage" draws more CFPB complaints against First Choice Loan Services Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with First Choice Loan Services Inc.?
"Application, originator, mortgage broker" is the single most frequently cited issue in complaints against First Choice Loan Services Inc. - see all issues and counts above.
How do I file a complaint against First Choice Loan Services Inc.?
You can file a complaint against First Choice Loan Services Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about First Choice Loan Services Inc.?
The CFPB has recorded complaints against First Choice Loan Services Inc. from 12 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for First Choice Loan Services Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (37.5% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.