CFPB Consumer Complaint Profile
First Credit Services Inc.
Consumers have filed 1,463 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 1,463
- Total complaints
- Among the highest
- 460
- Last 12 months
- 99.5%
- Timely response
- Above median
- 50
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, First Credit Services Inc. has accumulated 1,463 complaints, placing it #261 by volume. It posts a 99.5% on-time response rate, the 72nd percentile among companies with 100+ complaints.
- #261
- of 3,843 companies by volume
- 99.5%
- on time (72nd pctile)
- Debt collection
- most-complained product
- 50
- 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 Services Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.5% Higher than most higher than 72% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 192 in 2024 to 441 in 2025 (2024 → 2025).
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 |
|---|---|
| 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 |
| 2026year in progress | 111 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Credit Services Inc.
1,463 complaints against First Credit Services Inc. appear in the CFPB record, including 460 from the trailing year. The 50 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against First Credit Services Inc. draw a 99.5% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 15.1% 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 0.2% 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 Credit Services Inc. have?
First Credit Services Inc. has 1,463 total consumer complaints filed with the CFPB, with 460 filed in the last 12 months.
Does First Credit Services Inc. respond to complaints on time?
CFPB complaints against First Credit Services Inc. draw a 99.5% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for First Credit Services Inc.?
"Debt collection" draws more CFPB complaints against First Credit Services Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with First Credit Services Inc.?
The most common issue reported by consumers about First Credit Services Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against First Credit Services Inc.?
You can file a complaint against First Credit 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 Credit Services Inc.?
First Credit Services Inc. has drawn CFPB complaints from 50 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for First Credit 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 complaint volume
Nearest companies by total CFPB complaint count (1,463 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (15.1% here).
Also handles Debt collection
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.