CFPB Consumer Complaint Profile
First Financial Credit, Inc
Consumers have filed 10 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
- 10
- Total complaints
- Below average
- 1
- Last 12 months
- 90%
- Timely response
- Bottom quartile
- 2
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, First Financial Credit, Inc has accumulated 10 complaints, placing it #3715 by volume. On-time replies land at 90%, the 18th percentile for the 100+ complaint peer group.
- #3715
- of 3,843 companies by volume
- 90%
- on time (18th pctile)
- Credit reporting, cr…
- most-complained product
- 2
- 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 Financial Credit, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90% Among the lowest higher than 18% 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 | 5 |
| 2018 | 2 |
| 2019 | 1 |
| 2025 | 1 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Financial Credit, Inc
First Financial Credit, Inc carries 10 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 2 states and territories have weighed in, giving this a geographically concentrated footprint. "Credit reporting, credit repair services, or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against First Financial Credit, Inc draw a 90% reply rate inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Among resolved complaints, 20% 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 Financial Credit, Inc have?
The CFPB has logged 10 complaints against First Financial Credit, Inc to date, of which 1 came in over the last 12 months.
Does First Financial Credit, Inc respond to complaints on time?
CFPB complaints against First Financial Credit, Inc draw a 90% timely-response rate inside the expected window.
What product generates the most complaints for First Financial Credit, Inc?
Among all products tied to First Financial Credit, Inc, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with First Financial Credit, Inc?
"Incorrect information on your report" is the single most frequently cited issue in complaints against First Financial Credit, Inc - see all issues and counts above.
How do I file a complaint against First Financial Credit, Inc?
You can file a complaint against First Financial Credit, 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 Financial Credit, Inc?
The CFPB has recorded complaints against First Financial Credit, Inc from 2 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.
Also handles Credit reporting, credit repair services, or other personal consumer reports
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.