2026 data Public-data reference Official source

First Credit Services Inc.

1.6K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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1.6K
Total Complaints
99.5%
Timely Response
0%
Disputed
0.2%
Relief Provided
50
States Active
2013
Since

Data updated June 2026

Timely response rate 99.5%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.2%
Industry median

Share closed with monetary or non-monetary relief.

First Credit Services Inc. complaint mix by product

Total complaints: 1.6K

First Credit Services Inc. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 1.6K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 1,395 complaints (85.1%), resolution 0.2% Debt collection 85.1% Credit reporting: 186 complaints (11.3%), resolution 0.0% Credit reporting 11.3% Credit reporting,: 54 complaints (3.3%), resolution 0.0% Credit card: 2 complaints (0.1%), resolution 0.0% Debt or: 1 complaints (0.1%), resolution 0.0% Credit card: 1 complaints (0.1%), resolution 0.0% Mortgage: 1 complaints (0.1%), resolution 0.0%
  • 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

How First Credit Services Inc.'s 1.6K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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

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 CFPB Consumer Complaint Database

What the CFPB Record Shows About First Credit Services Inc.

First Credit Services Inc.'s 1,642 logged complaints reach a nationwide footprint - 50 states have at least one filing on record. Only 35.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than the 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..

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.

Frequently Asked Questions

How many CFPB complaints does First Credit Services Inc. have?

1,642, per the CFPB's public complaint count for this company (see the full breakdown above).

Does First Credit Services Inc. respond to complaints on time?

99.5% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about First Credit Services Inc.?

"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.