What is the most common complaint against First Coast Auto Finance?

The most common issue consumers report about First Coast Auto Finance is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 1 complaints filed with the CFPB.

Are complaints against First Coast Auto Finance increasing or decreasing?

Complaints against First Coast Auto Finance are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is First Coast Auto Finance's reputation grade?

First Coast Auto Finance has a reputation grade of C (score: 56.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First Coast Auto Finance respond to consumer complaints?

First Coast Auto Finance has a 33% timely response rate to CFPB complaints.

In how many states does First Coast Auto Finance operate?

First Coast Auto Finance has received CFPB complaints from consumers in 1 states, with the most complaints from Florida (1 complaints).

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

First Coast Auto Finance - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record first-coast-auto-finance First Coast Auto Finance

Grade C · 1 CFPB filings · 33% timely · lead issue: Attempts to collect debt not owed · vol #4767 · compose #2948

VOL 1
GRADE C
12MO 0
STATES 1
TIMELY 33%
ISSUE Attempts to collect debt n…
RANK #4,767
COMPOSE #2,948

Volume peers

Nearest volume peer: 245 Holdings LLC (1 complaints)

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

First Coast Auto Finance's 1 CFPB complaints sit next to 245 Holdings LLC 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 First Coast Auto Finance's CFPB filings land in Florida

High volume does not equal a clean composite: First Coast Auto Finance is volume #4,767 but composite #2,948, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 100.0%; 1 of 1 filings · 1 states touched
Spike month: 2024-09 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,767 volume; #2,948 composite; Cleanest-composite ladder is 1,819 places better than volume

How does First Coast Auto Finance compare to its peers?

How does First Coast Auto Finance compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

First Coast Auto Finan… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

33%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-09 2024-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1

Where do complaints against First Coast Auto Finance come from?

First Coast Auto Finance's own per-state count, not a national baseline.

Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for First Coast Auto Finance: 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: 1.

4 peers

Know your rights before responding to First Coast Auto Finance: 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.