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 2026-05-15

1,463
Total complaints
460
Last 12 months
99.5%
Timely response
50
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, First Credit Services Inc. has accumulated 1,463 complaints, placing it #260 by volume. It answers 99.5% of complaints on time - above the 93% median for companies with 100+ complaints.

#260
of 3,848 companies by volume
99.5%
answered on time
Debt collection
most-complained product
50
states with complaints
First Credit Services Inc. timely response rate 99.5%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Other debt 575
Debt collection - I do not know 435
Credit reporting or other personal consumer reports - Credit reporting 150
Debt collection - Other (i.e. phone, health club, etc.) 149
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 53
Debt collection - Credit card debt 47
Debt collection - Auto debt 19
Debt collection - Telecommunications debt 7
Debt collection - Medical debt 7
Debt collection - Auto 5

Top 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

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

Company Responses

Closed with explanation 1,460
Closed with non-monetary relief 3

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.

99.5% of CFPB-forwarded complaints against First Credit Services Inc. get a reply 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 was formally disputed in 15.1% of resolved cases, indicating how frequently the initial fix fell short. 0.2% of resolved complaints ended with some monetary or non-monetary relief for 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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?

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.

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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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