Total CFPB complaints
192
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 192 complaints
First Financial Resources, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 28 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about First Financial Resources, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
95 complaints
- Written notification about debt 37
Written notification about debt
37 complaints
- False statements or representation 16
False statements or representation
16 complaints
- Took or threatened to take negative or legal action 13
Took or threatened to take negative or legal action
13 complaints
- Cont'd attempts collect debt not owed 7
Cont'd attempts collect debt not owed
7 complaints
- Communication tactics 6
Communication tactics
6 complaints
C
Grade C · 63.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about First Financial Resources, Inc.?
First Financial Resources, Inc. has accumulated 192 total CFPB complaints across 28 states, with 40 filed in the most recent 12 months against 152 historical complaints before that window. The trailing-12-month volume represents 20.8% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 0% 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 28 states, led by Massachusetts with 104 and Florida with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.1/100 places First Financial Resources, Inc. 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
40
20.8% of total history
Falling ↓
States active
28
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
63.1/100 composite
Response-quality profile
How First Financial Resources, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 50.0%
Share of US states + territories with at least one filed complaint against this collector.
How does First Financial Resources, Inc. compare to its peers?
First Financial Resour… 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)
2024-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed95 (%)
Written notification about debt37 (%)
False statements or representation16 (%)
Took or threatened to take negative or legal action13 (%)
Cont'd attempts collect debt not owed7 (%)
Communication tactics6 (%)
Electronic communications4 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 70 |
| Written notification about debt | Didn't receive enough information to verify debt | 25 |
| False statements or representation | Attempted to collect wrong amount | 16 |
| Attempts to collect debt not owed | Debt was paid | 14 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 13 |
| Written notification about debt | Didn't receive notice of right to dispute | 12 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Communication tactics | Frequent or repeated calls | 6 |
| Electronic communications | Frequent or repeated messages | 4 |
Where do complaints against First Financial Resources, Inc. come from?
The states where consumers have filed the most CFPB complaints against First Financial Resources, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against First Financial Resources, Inc.
Across 28 states with at least one filing
- Massachusetts
Massachusetts
104 complaints
- Florida 12
Florida
12 complaints
- California 12
California
12 complaints
- New York 9
New York
9 complaints
- New Hampshire 9
New Hampshire
9 complaints
- Texas 5
Texas
5 complaints
- New Jersey 4
New Jersey
4 complaints
- Pennsylvania 4
Pennsylvania
4 complaints
Frequently Asked Questions
What is the most common complaint against First Financial Resources, Inc.? ▼
The most common issue consumers report about First Financial Resources, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 192 complaints filed with the CFPB.
Are complaints against First Financial Resources, Inc. increasing or decreasing? ▼
Complaints against First Financial Resources, Inc. are falling. The company received 40 complaints in the last 12 months, showing improvement over prior periods.
What is First Financial Resources, Inc.'s reputation grade? ▼
First Financial Resources, Inc. has a reputation grade of C (score: 63.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does First Financial Resources, Inc. respond to consumer complaints? ▼
First Financial Resources, Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does First Financial Resources, Inc. operate? ▼
First Financial Resources, Inc. has received CFPB complaints from consumers in 28 states, with the most complaints from Massachusetts (104 complaints).
What can I do if First Financial Resources, 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 Resources, 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 |