What is the most common complaint against First Credit Finance?

The most common issue consumers report about First Credit Finance is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 5 complaints filed with the CFPB.

Are complaints against First Credit Finance increasing or decreasing?

Complaints against First Credit Finance have been stable. The company received 1 complaints in the last 12 months.

What is First Credit Finance's reputation grade?

First Credit Finance has a reputation grade of B (score: 62.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First Credit Finance respond to consumer complaints?

First Credit Finance has a 50% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does First Credit Finance operate?

First Credit Finance has received CFPB complaints from consumers in 2 states, with the most complaints from California (4 complaints).

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

First Credit Finance - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

2
Communication tactics

2
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record first-credit-finance First Credit Finance

Grade B · 5 CFPB filings · 50% timely · lead issue: Attempts to collect debt not owed · vol #3135 · compose #2093

VOL 5
GRADE B
12MO 1
STATES 2
TIMELY 50%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #3,135
COMPOSE #2,093

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

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

First Credit Finance's 5 CFPB complaints sit next to Aaron Worldwide Collections 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

80.0% of First Credit Finance's CFPB filings land in California

High volume does not equal a clean composite: First Credit Finance is volume #3,135 but composite #2,093, while California dominates the geography. Corpus placement method.

Dominant state: California 80.0%; 4 of 5 filings · 2 states touched
Spike month: 2026-03 33.3%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,135 volume; #2,093 composite; Cleanest-composite ladder is 1,042 places better than volume

How does First Credit Finance compare to its peers?

How does FIRST CREDIT 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 CREDIT FINANCE National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

50%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-07 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
Communication tactics	2
False statements or representation	1

Where do complaints against First Credit Finance come from?

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

California

4
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for First Credit 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: 5.

4 peers

Know your rights before responding to First Credit 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.