CFPB · Single-product concentration
First Credit Services Inc.
1.6K CFPB complaints · 85% in "Debt collection" · top issue Attempts to collect debt not owed.
First Credit Services Inc.: 85% of 1.6K CFPB complaints sit in "Debt collection". Timely 99.5% · relief 0.2%. Allegations, not findings.
- Volume rank #257 of 342
- Single-product concentration
- +1600% filings 2013 to 2026
CFPB relief outcome brief
CCDB company first-credit-services-inc
0.2% relief · 99.5% timely · 1.6K filings · Debt collection
Same-product relief peers
Nearest relief peer: NCB Management Services Inc. (0.2% relief)
First Credit Services Inc. closes 0.2% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 1.6K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
First Credit Services Inc. complaint mix by product
- Debt collection 1K 85.1% – 0% relief
- Credit reporting 186 11.3% – 0% relief
- Credit reporting, 54 3.3% – 0% relief
- Credit card 2 0.1% – 0% relief
- Debt or 1 0.1% – 0% relief
- Credit card 1 0.1% – 0% relief
- Mortgage 1 0.1% – 0% relief
Lighter-volume mix: how First Credit Services Inc.'s 1.6K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 1.4K |
| Credit reporting or other personal consumer reports | 186 |
| Credit reporting, credit repair services, or other personal consumer reports | 54 |
| Credit card | 2 |
| Debt or credit management | 1 |
| Credit card or prepaid card | 1 |
| Mortgage | 1 |
| Bank account or service | 1 |
| Consumer Loan | 1 |
Nationwide filing states for First Credit Services Inc.
Top states by attributed volume, lighter-filing company
- Leading state
- FL
- 23.1% of this company's filings
First Credit Services Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 289
- +1600% vs 2013
Top States
| State | Complaints |
|---|---|
| FL | 379 |
| TX | 178 |
| GA | 149 |
| NJ | 123 |
| CA | 79 |
| NY | 73 |
| MA | 66 |
| MD | 59 |
| LA | 52 |
| MI | 50 |
| NC | 39 |
| VA | 38 |
| SC | 34 |
| PA | 33 |
| TN | 32 |
| IN | 26 |
| OH | 22 |
| WA | 16 |
| AZ | 16 |
| IL | 13 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 591 |
| Written notification about debt | 250 |
| Took or threatened to take negative or legal action | 142 |
| False statements or representation | 129 |
| Communication tactics | 120 |
| Incorrect information on your report | 108 |
| Cont'd attempts collect debt not owed | 95 |
| Improper use of your report | 87 |
| Disclosure verification of debt | 36 |
| Problem with a company's investigation into an existing problem | 25 |
| Problem with a credit reporting company's investigation into an existing problem | 18 |
| Electronic communications | 15 |
| Improper contact or sharing of info | 9 |
| Threatened to contact someone or share information improperly | 8 |
| Confusing or missing disclosures | 2 |
| Getting a credit card | 2 |
| Problem with a purchase shown on your statement | 1 |
| Problem with a company's investigation into an existing issue | 1 |
| Account opening, closing, or management | 1 |
| Managing the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 17 | 100% |
| 2014 | 69 | 100% |
| 2015 | 34 | 100% |
| 2016 | 42 | 100% |
| 2017 | 55 | 100% |
| 2018 | 47 | 97.9% |
| 2019 | 62 | 90.3% |
| 2020 | 93 | 100% |
| 2021 | 103 | 100% |
| 2022 | 85 | 100% |
| 2023 | 112 | 100% |
| 2024 | 193 | 100% |
| 2025 | 441 | 100% |
| 2026 | 289 | 99.7% |
Source: CFPB Consumer Complaint Database
First Credit Services Inc. filings cluster in one product
First Credit Services Inc.'s 1,642 logged complaints reach a nationwide footprint - 50 states have at least one filing. Only 35.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-25.
First Credit Services Inc. answers 99.5% of complaints inside the CFPB's tracked window and closes 98.6% with a written explanation. 0.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about First Credit Services Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for First Credit Services Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 1.6K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.5%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for First Credit Services Inc. (#256 of 342; 99.5% timely; 0.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration