What is the most common complaint against 1st Capital Finance of South Carolina, Inc.?

The most common issue consumers report about 1st Capital Finance of South Carolina, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 2 complaints filed with the CFPB.

Are complaints against 1st Capital Finance of South Carolina, Inc. increasing or decreasing?

Complaints against 1st Capital Finance of South Carolina, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is 1st Capital Finance of South Carolina, Inc.'s reputation grade?

1st Capital Finance of South Carolina, Inc. has a reputation grade of A (score: 87.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does 1st Capital Finance of South Carolina, Inc. respond to consumer complaints?

1st Capital Finance of South Carolina, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does 1st Capital Finance of South Carolina, Inc. operate?

1st Capital Finance of South Carolina, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from North Carolina (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

1st Capital Finance of South Carolina, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Communication tactics

1
Improper contact or sharing of info

1

Data updated September 2026

CFPB complaint disposition

CCDB record 1st-capital-finance-of-south-carolina-inc 1st Capital Finance of South Carolina, Inc.

Grade A · 2 CFPB filings · 100% timely · lead issue: Communication tactics · vol #3879 · compose #109

VOL 2
GRADE A
12MO 0
STATES 1
TIMELY 100%
DISPUTE 0%
ISSUE Communication tactics
RANK #3,879
COMPOSE #109

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

1st Capital Finance of South Carolina, Inc.'s 2 CFPB complaints sit next to 1 Auto Finance, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

100.0% of 1st Capital Finance of South Carolina, Inc.'s CFPB filings land in North Carolina

High volume does not equal a clean composite: 1st Capital Finance of South Carolina, Inc. is volume #3,879 but composite #109, while North Carolina dominates the geography. Corpus placement method.

Dominant state: North Carolina 100.0%; 2 of 2 filings · 1 states touched
Spike month: 2015-08 25.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,879 volume; #109 composite; Cleanest-composite ladder is 3,770 places better than volume

How does 1st Capital Finance of South Carolina, Inc. compare to its peers?

How does 1st Capital Finance of South Carolina, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

1st Capital Finance of… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-08 2025-10

Issue Detail Breakdown

Issue	Complaints
Communication tactics	1
Improper contact or sharing of info	1

Where do complaints against 1st Capital Finance of South Carolina, Inc. come from?

1st Capital Finance of South Carolina, Inc.'s own per-state count, not a national baseline.

North Carolina

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for 1st Capital Finance of South Carolina, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 2.

4 peers

Know your rights before responding to 1st Capital Finance of South Carolina, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.