What is the most common complaint against First Financial Services, Inc.?

The most common issue consumers report about First Financial Services, Inc. is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 9 complaints filed with the CFPB.

Are complaints against First Financial Services, Inc. increasing or decreasing?

Complaints against First Financial Services, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is First Financial Services, Inc.'s reputation grade?

First Financial Services, Inc. has a reputation grade of F (score: 39.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First Financial Services, Inc. respond to consumer complaints?

First Financial Services, Inc. has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does First Financial Services, Inc. operate?

First Financial Services, Inc. has received CFPB complaints from consumers in 9 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 Financial Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

4
Took or threatened to take negative or legal action

2
False statements or representation

1
Communication tactics

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record first-financial-services-inc First Financial Services, Inc.

Grade F · 9 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed · vol #2601 · compose #4939

VOL 9
GRADE F
12MO 0
STATES 9
TIMELY 0%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #2,601
COMPOSE #4,939

Volume peers

Nearest volume peer: 1st Results Billings & Collections, Inc. (9 complaints)

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

First Financial Services, Inc.'s 9 CFPB complaints sit next to 1st Results Billings & 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 →

Distributed filing map

First Financial Services, Inc. spreads filings across 9 states - Florida leads at only 11.1%

Despite a broad state map, First Financial Services, Inc. still sits volume #2,601 against composite #4,939 - the two RankMaps diverge by 2,338 places. Corpus placement method.

Most-even geography: Lead state under 15%; Florida still leads at 11.1% across 9 states
Seasonal peak: 2015-11 14.3%; 8–15% band · 1 filings
Divergent corpus ranks: #2,601 volume; #4,939 composite; Cleanest-composite ladder is 2,338 places worse than volume

How does First Financial Services, Inc. compare to its peers?

How does FIRST FINANCIAL SERVICES, INC. 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 FINANCIAL SERVIC… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-11 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	4
Took or threatened to take negative or legal action	2
False statements or representation	1
Communication tactics	1
Disclosure verification of debt	1

Where do complaints against First Financial Services, Inc. come from?

First Financial Services, Inc.'s own per-state count, not a national baseline.

Florida

1
Louisiana

1
Massachusetts

1
Minnesota

1
North Carolina

1
Oklahoma

1
Oregon

1
Pennsylvania

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for First Financial Services, Inc.: 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: 9.

4 peers

Know your rights before responding to First Financial Services, Inc.: 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.