CFPB Consumer Complaint Profile
FirstCredit, Inc.
What 41 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
- 41
- Total complaints
- Mid-range
- 12
- Last 12 months
- 100%
- Timely response
- Top decile
- 12
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, FirstCredit, Inc. sits at #2018, with 41 complaints logged. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2018
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 12
- 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.
FirstCredit, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2022 | 3 |
| 2023 | 15 |
| 2024 | 10 |
| 2025 | 11 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for FirstCredit, Inc.
FirstCredit, Inc. carries 41 complaints in the CFPB's database, 12 of them filed within the past 12 months. Consumers spanning 12 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
FirstCredit, Inc.'s timely response rate stands at 100%, 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. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 FirstCredit, Inc. have?
41 complaints have been filed against FirstCredit, Inc. with the CFPB overall - 12 of them in the past year.
Does FirstCredit, Inc. respond to complaints on time?
CFPB complaints against FirstCredit, Inc. draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for FirstCredit, Inc.?
The most complained-about product for FirstCredit, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with FirstCredit, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against FirstCredit, Inc. - see all issues and counts above.
How do I file a complaint against FirstCredit, Inc.?
You can file a complaint against FirstCredit, 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 FirstCredit, Inc.?
The CFPB has recorded complaints against FirstCredit, Inc. from 12 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 Debt collection
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.