CFPB Consumer Complaint Profile
First Direct Lending, LLC
What 33 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 33
- Total complaints
- Mid-range
- 0
- Last 12 months
- 84.8%
- Timely response
- Bottom quartile
- 16
- States affected
The verdict
First Direct Lending, LLC ranks #2243 of 3,843 financial companies by CFPB complaint volume, with 33 complaints on record. Its on-time response rate is 84.8%, the 12th percentile among companies with 100+ complaints.
- #2243
- of 3,843 companies by volume
- 84.8%
- on time (12th pctile)
- Mortgage
- most-complained product
- 16
- 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 Direct Lending, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
84.8% Among the lowest higher than 12% 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 |
|---|---|
| 2014 | 2 |
| 2015 | 2 |
| 2016 | 7 |
| 2017 | 11 |
| 2018 | 8 |
| 2020 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Direct Lending, LLC
First Direct Lending, LLC carries 33 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 16 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Applying for a mortgage or refinancing an existing mortgage," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, First Direct Lending, LLC posts a 84.8% reply rate on forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Resolved cases drew a formal consumer-dispute rate of 33.3% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 9.1% 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 Direct Lending, LLC have?
33 complaints have been filed against First Direct Lending, LLC with the CFPB overall - 0 of them in the past year.
Does First Direct Lending, LLC respond to complaints on time?
First Direct Lending, LLC's CFPB timely-response rate is 84.8%.
What product generates the most complaints for First Direct Lending, LLC?
Among all products tied to First Direct Lending, LLC, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with First Direct Lending, LLC?
The most common issue reported by consumers about First Direct Lending, LLC is "Applying for a mortgage or refinancing an existing mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against First Direct Lending, LLC?
You can file a complaint against First Direct Lending, LLC 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 Direct Lending, LLC?
Consumers in 16 states and territories have filed complaints about First Direct Lending, LLC 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 Direct Lending, LLC: 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 (33.3% 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.