CFPB Consumer Complaint Profile
First Heritage Credit LLC
Behind the 175 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
- 175
- Total complaints
- Mid-range
- 0
- Last 12 months
- 97.7%
- Timely response
- Below median
- 13
- States affected
The verdict
175 CFPB complaints put First Heritage Credit LLC at #1015 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 97.7%, the 45th percentile for the 100+ complaint peer group.
- #1015
- of 3,843 companies by volume
- 97.7%
- on time (45th pctile)
- Credit reporting, cr…
- most-complained product
- 13
- 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 Heritage Credit LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.7% Around the middle higher than 45% 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 |
|---|---|
| 2013 | 1 |
| 2014 | 13 |
| 2015 | 18 |
| 2016 | 19 |
| 2017 | 18 |
| 2018 | 17 |
| 2019 | 23 |
| 2020 | 24 |
| 2021 | 25 |
| 2022 | 17 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Heritage Credit LLC
175 complaints against First Heritage Credit LLC appear in the CFPB record, including 0 from the trailing year. The 13 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Credit reporting, credit repair services, or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Communication tactics" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against First Heritage Credit LLC draw a 97.7% 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. Consumers formally disputed the company's response at a 15% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 33.1% 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 Heritage Credit LLC have?
First Heritage Credit LLC has 175 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does First Heritage Credit LLC respond to complaints on time?
First Heritage Credit LLC's CFPB timely-response rate is 97.7%. That is a strong response record by CFPB standards.
What product generates the most complaints for First Heritage Credit LLC?
The most complained-about product for First Heritage Credit LLC is "Credit reporting, credit repair services, or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with First Heritage Credit LLC?
Consumers most often cite "Communication tactics" when complaining about First Heritage Credit LLC; the full issue list with counts is above.
How do I file a complaint against First Heritage Credit LLC?
You can file a complaint against First Heritage Credit 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 Heritage Credit LLC?
The CFPB has recorded complaints against First Heritage Credit LLC from 13 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for First Heritage Credit 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 (15% here).
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.