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.
- 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 →
Response Quality Score
First Credit Services Inc. scores strongest on timely response (99/100 percentile-benchmarked) and weakest on relief provided (1/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
1 / 100 percentile-benchmarked
0.2% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
97 / 100 percentile-benchmarked
98.6% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where First Credit Services Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, First Credit Services Inc. files more complaint volume than 25% of them, and closes complaints with relief more often than 23% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,642 · Closed with relief: 0.2%
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