CFPB Consumer Complaint Profile
First National Collection Bureau, Inc.
Behind the 982 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 982
- Total complaints
- 61
- Last 12 months
- 98.6%
- Timely response
- 53
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, First National Collection Bureau, Inc. sits at #330, with 982 complaints logged. 98.6% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #330
- of 3,848 companies by volume
- 98.6%
- answered on time
- Debt collection
- most-complained product
- 53
- states with complaints
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 | 13 |
| 2014 | 209 |
| 2015 | 241 |
| 2016 | 140 |
| 2017 | 45 |
| 2018 | 30 |
| 2019 | 16 |
| 2020 | 32 |
| 2021 | 31 |
| 2022 | 40 |
| 2023 | 56 |
| 2024 | 52 |
| 2025 | 71 |
| 2026 | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First National Collection Bureau, Inc.
First National Collection Bureau, Inc. carries 982 complaints in the CFPB's database, 61 of them filed within the past 12 months. Consumers spanning 53 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Cont'd attempts collect debt not owed," a reasonable starting point for understanding recurring friction.
First National Collection Bureau, Inc.'s timely response rate stands at 98.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. In 7.8% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 0% 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 (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 National Collection Bureau, Inc. have?
The CFPB has logged 982 complaints against First National Collection Bureau, Inc. to date, of which 61 came in over the last 12 months.
Does First National Collection Bureau, Inc. respond to complaints on time?
98.6% of the CFPB complaints against First National Collection Bureau, Inc. get a response within the expected window. This is considered excellent.
What product generates the most complaints for First National Collection Bureau, Inc.?
The most complained-about product for First National Collection Bureau, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with First National Collection Bureau, Inc.?
Consumers most often cite "Cont'd attempts collect debt not owed" when complaining about First National Collection Bureau, Inc.; the full issue list with counts is above.
How do I file a complaint against First National Collection Bureau, Inc.?
You can file a complaint against First National Collection Bureau, 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 National Collection Bureau, Inc.?
Consumers in 53 states and territories have filed complaints about First National Collection Bureau, Inc. 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~982)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.