Total CFPB complaints
2
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 2 complaints
First Financial Credit, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about First Financial Credit, Inc
- False statements or representation
False statements or representation
1 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
A
Grade A · 77.8/100 composite
This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
What do CFPB complaints reveal about First Financial Credit, Inc?
First Financial Credit, Inc has accumulated 2 total CFPB complaints across 2 states, with 1 filed in the most recent 12 months against 1 historical complaints before that window. The trailing-12-month volume represents 50.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Indicated you were committing crime by not paying debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 2 states, led by Florida with 1 and Kentucky with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 77.8/100 places First Financial Credit, Inc in grade band A, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
50.0% of total history
Rising ↑
States active
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
A
77.8/100 composite
Response-quality profile
How First Financial Credit, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does First Financial Credit, Inc compare to its peers?
First Financial Credit… 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)
2017-08 2026-03
Top Consumer Issues
False statements or representation1 (%)
Attempts to collect debt not owed1 (%)
Most common issue: False statements or representation — Indicated you were committing crime by not paying debt
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 |
|---|---|---|
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
Where do complaints against First Financial Credit, Inc come from?
The states where consumers have filed the most CFPB complaints against First Financial Credit, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against First Financial Credit, Inc
Across 2 states with at least one filing
- Florida
Florida
1 complaints
- Kentucky
Kentucky
1 complaints
Frequently Asked Questions
What is the most common complaint against First Financial Credit, Inc? ▼
The most common issue consumers report about First Financial Credit, Inc is "False statements or representation", specifically "Indicated you were committing crime by not paying debt". This is based on 2 complaints filed with the CFPB.
Are complaints against First Financial Credit, Inc increasing or decreasing? ▼
Complaints against First Financial Credit, Inc are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is First Financial Credit, Inc's reputation grade? ▼
First Financial Credit, Inc has a reputation grade of A (score: 77.8/100). This collector has an excellent complaint record — very few complaints relative to its size, with high response rates.
Does First Financial Credit, Inc respond to consumer complaints? ▼
First Financial Credit, Inc has a 100% timely response rate to CFPB complaints.
In how many states does First Financial Credit, Inc operate? ▼
First Financial Credit, Inc has received CFPB complaints from consumers in 2 states, with the most complaints from Florida (1 complaints).
What can I do if First Financial Credit, Inc 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 Financial Credit, Inc 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 |