Total CFPB complaints
32
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 32 complaints
First Choice Assets LLC. — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about First Choice Assets LLC.
- Communication tactics
Communication tactics
14 complaints
- Cont'd attempts collect debt not owed 5
Cont'd attempts collect debt not owed
5 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
C
Grade C · 61.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about First Choice Assets LLC.?
First Choice Assets LLC. has accumulated 32 total CFPB complaints across 15 states, with 0 filed in the most recent 12 months against 32 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 84% timely-response rate against a 16% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 15 states, led by Michigan with 5 and California with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.4/100 places First Choice Assets LLC. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
15
Distinct state filings
Timely response rate
84%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
C
61.4/100 composite
Response-quality profile
How First Choice Assets LLC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 84.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 32.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does First Choice Assets LLC. compare to its peers?
First Choice Assets LL… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-04 2024-03
Top Consumer Issues
Communication tactics14 (%)
Cont'd attempts collect debt not owed5 (%)
Written notification about debt3 (%)
Improper contact or sharing of info2 (%)
Attempts to collect debt not owed1 (%)
False statements or representation2 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 9 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Improper contact or sharing of info | Contacted me after I asked not to | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| False statements or representation | Impersonated an attorney or official | 1 |
Where do complaints against First Choice Assets LLC. come from?
The states where consumers have filed the most CFPB complaints against First Choice Assets LLC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against First Choice Assets LLC.
Across 15 states with at least one filing
- Michigan
Michigan
5 complaints
- California
California
4 complaints
- Georgia
Georgia
4 complaints
- New York
New York
4 complaints
- Texas
Texas
3 complaints
- New Jersey
New Jersey
2 complaints
- Pennsylvania
Pennsylvania
2 complaints
- Maryland 1
Maryland
1 complaints
Frequently Asked Questions
What is the most common complaint against First Choice Assets LLC.? ▼
The most common issue consumers report about First Choice Assets LLC. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 32 complaints filed with the CFPB.
Are complaints against First Choice Assets LLC. increasing or decreasing? ▼
Complaints against First Choice Assets LLC. have been stable. The company received 0 complaints in the last 12 months.
What is First Choice Assets LLC.'s reputation grade? ▼
First Choice Assets LLC. has a reputation grade of C (score: 61.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does First Choice Assets LLC. respond to consumer complaints? ▼
First Choice Assets LLC. has a 84% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.
In how many states does First Choice Assets LLC. operate? ▼
First Choice Assets LLC. has received CFPB complaints from consumers in 15 states, with the most complaints from Michigan (5 complaints).
What can I do if First Choice Assets LLC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If First Choice Assets LLC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |