What is the most common complaint against America First Federal Credit Union?

The most common issue consumers report about America First Federal Credit Union is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 58 complaints filed with the CFPB.

Are complaints against America First Federal Credit Union increasing or decreasing?

Complaints against America First Federal Credit Union are rising. The company received 21 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is America First Federal Credit Union's reputation grade?

America First Federal Credit Union has a reputation grade of D (score: 52.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does America First Federal Credit Union respond to consumer complaints?

America First Federal Credit Union has a 100% timely response rate to CFPB complaints.

In how many states does America First Federal Credit Union operate?

America First Federal Credit Union has received CFPB complaints from consumers in 11 states, with the most complaints from Nevada (20 complaints).

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

America First Federal Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

33
Took or threatened to take negative or legal action

9
False statements or representation

9
Written notification about debt

5
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record america-first-federal-credit-union America First Federal Credit Union

Grade D · 58 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1099 · compose #3747

VOL 58
GRADE D
12MO 21
STATES 11
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #1,099
COMPOSE #3,747

Volume peers

Nearest volume peer: Global Payments Check Services, Inc. (58 complaints)

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

America First Federal Credit Union's 58 CFPB complaints sit next to Global Payments Check Services, 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

34.5% of America First Federal Credit Union's CFPB filings land in Nevada

High volume does not equal a clean composite: America First Federal Credit Union is volume #1,099 but composite #3,747, while Nevada dominates the geography. Corpus placement method.

Dominant state: Nevada 34.5%; 20 of 58 filings · 11 states touched
Seasonal peak: 2018-03 10.9%; 8–15% band · 11 filings
Divergent corpus ranks: #1,099 volume; #3,747 composite; Cleanest-composite ladder is 2,648 places worse than volume

How does America First Federal Credit Union compare to its peers?

How does AMERICA FIRST FEDERAL CREDIT UNION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

AMERICA FIRST FEDERAL … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

97%

91%

Consumer-dispute ratelower is better

10%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-02 2019-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	33
Took or threatened to take negative or legal action	9
False statements or representation	9
Written notification about debt	5
Communication tactics	2

Where do complaints against America First Federal Credit Union come from?

America First Federal Credit Union's own per-state count, not a national baseline.

Nevada

20
Utah

13
Arizona

9
California

7
Florida

2
Idaho

1
Illinois

1
Iowa

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for America First Federal Credit Union: 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: 58.

4 peers

Know your rights before responding to America First Federal Credit Union: 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.