CFPB Consumer Complaint Profile
First Credit Finance
Behind the 22 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 22
- Total complaints
- Mid-range
- 6
- Last 12 months
- 90.9%
- Timely response
- Bottom quartile
- 4
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, First Credit Finance sits at #2732, with 22 complaints logged. On-time replies land at 90.9%, the 19th percentile for the 100+ complaint peer group.
- #2732
- of 3,843 companies by volume
- 90.9%
- on time (19th pctile)
- Vehicle loan or lease
- most-complained product
- 4
- 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 Credit Finance vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90.9% Among the lowest higher than 19% 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 |
|---|---|
| 2017 | 3 |
| 2018 | 1 |
| 2019 | 1 |
| 2021 | 2 |
| 2023 | 3 |
| 2024 | 6 |
| 2025 | 3 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Credit Finance
22 complaints against First Credit Finance appear in the CFPB record, including 6 from the trailing year. The 4 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Vehicle loan or lease," which sits at the top of the product breakdown. Inside that category, "Managing the loan or lease" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, First Credit Finance posts a 90.9% reply rate on forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
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 Credit Finance have?
The CFPB has logged 22 complaints against First Credit Finance to date, of which 6 came in over the last 12 months.
Does First Credit Finance respond to complaints on time?
First Credit Finance's CFPB timely-response rate is 90.9%.
What product generates the most complaints for First Credit Finance?
Among all products tied to First Credit Finance, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with First Credit Finance?
Consumers most often cite "Managing the loan or lease" when complaining about First Credit Finance; the full issue list with counts is above.
How do I file a complaint against First Credit Finance?
You can file a complaint against First Credit Finance 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 Credit Finance?
Consumers in 4 states and territories have filed complaints about First Credit Finance with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for First Credit Finance: 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 (0% here).
Also handles Vehicle loan or lease
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.