Total CFPB complaints
11
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 11 complaints
FIRST FINANCIAL SERVICES, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FIRST FINANCIAL SERVICES, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Communication tactics
Communication tactics
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
F
Grade F · 42.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about FIRST FINANCIAL SERVICES, INC.?
FIRST FINANCIAL SERVICES, INC. has accumulated 11 total CFPB complaints across 10 states, with 0 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% 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 10 states, led by Virginia with 2 and Oregon 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 42.6/100 places FIRST FINANCIAL SERVICES, INC. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
10
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
42.6/100 composite
Response-quality profile
How FIRST FINANCIAL SERVICES, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
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 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does FIRST FINANCIAL SERVICES, INC. compare to its peers?
FIRST FINANCIAL SERVIC… 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)
2014-10 2020-03
Top Consumer Issues
Attempts to collect debt not owed4 (%)
Communication tactics2 (%)
False statements or representation1 (%)
Cont'd attempts collect debt not owed1 (%)
Took or threatened to take negative or legal action2 (%)
Disclosure verification of debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
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 was paid | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
Where do complaints against FIRST FINANCIAL SERVICES, INC. come from?
The states where consumers have filed the most CFPB complaints against FIRST FINANCIAL SERVICES, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FIRST FINANCIAL SERVICES, INC.
Across 10 states with at least one filing
- Virginia
Virginia
2 complaints
- Oregon
Oregon
1 complaints
- Louisiana
Louisiana
1 complaints
- Florida
Florida
1 complaints
- Minnesota
Minnesota
1 complaints
- Pennsylvania
Pennsylvania
1 complaints
- Massachusetts
Massachusetts
1 complaints
- Oklahoma
Oklahoma
1 complaints
Frequently Asked Questions
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 11 complaints filed with the CFPB.
Are complaints against FIRST FINANCIAL SERVICES, INC. increasing or decreasing? ▼
Complaints against FIRST FINANCIAL SERVICES, INC. have been stable. The company received 0 complaints in the last 12 months.
What is FIRST FINANCIAL SERVICES, INC.'s reputation grade? ▼
FIRST FINANCIAL SERVICES, INC. has a reputation grade of F (score: 42.6/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 10 states, with the most complaints from Virginia (2 complaints).
What can I do if FIRST FINANCIAL SERVICES, 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 SERVICES, 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 |