What is the most common complaint against First Heritage Credit LLC?

The most common issue consumers report about First Heritage Credit LLC is "Communication tactics", specifically "Frequent or repeated calls". This is based on 51 complaints filed with the CFPB.

Are complaints against First Heritage Credit LLC increasing or decreasing?

Complaints against First Heritage Credit LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is First Heritage Credit LLC's reputation grade?

First Heritage Credit LLC has a reputation grade of C (score: 61.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First Heritage Credit LLC respond to consumer complaints?

First Heritage Credit LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does First Heritage Credit LLC operate?

First Heritage Credit LLC has received CFPB complaints from consumers in 9 states, with the most complaints from Louisiana (18 complaints).

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

First Heritage Credit LLC - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade C.

Compiled by PlainCollector

Communication tactics

22
Attempts to collect debt not owed

8
Improper contact or sharing of info

6
Cont'd attempts collect debt not owed

5
Took or threatened to take negative or legal action

4
Written notification about debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record first-heritage-credit-llc First Heritage Credit LLC

Grade C · 51 CFPB filings · 100% timely · lead issue: Communication tactics · vol #1178 · compose #2144

VOL 51
GRADE C
12MO 0
STATES 9
TIMELY 100%
DISPUTE 14%
ISSUE Communication tactics
RANK #1,178
COMPOSE #2,144

Volume peers

Nearest volume peer: 21st Mortgage Corp. (51 complaints)

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

First Heritage Credit LLC's 51 CFPB complaints sit next to 21st Mortgage Corp. 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

35.3% of First Heritage Credit LLC's CFPB filings land in Louisiana

High volume does not equal a clean composite: First Heritage Credit LLC is volume #1,178 but composite #2,144, while Louisiana dominates the geography. Corpus placement method.

Dominant state: Louisiana 35.3%; 18 of 51 filings · 9 states touched
Seasonal peak: 2025-12 9.8%; 8–15% band · 8 filings
Divergent corpus ranks: #1,178 volume; #2,144 composite; Cleanest-composite ladder is 966 places worse than volume

How does First Heritage Credit LLC compare to its peers?

How does FIRST HERITAGE CREDIT LLC 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 HERITAGE CREDIT … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

96%

91%

Consumer-dispute ratelower is better

14%

42%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-12 2026-03

Issue Detail Breakdown

Issue	Complaints
Communication tactics	22
Attempts to collect debt not owed	8
Improper contact or sharing of info	6
Cont'd attempts collect debt not owed	5
Took or threatened to take negative or legal action	4
Written notification about debt	2
Disclosure verification of debt	2
False statements or representation	1
Threatened to contact someone or share information improperly	1

Where do complaints against First Heritage Credit LLC come from?

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

Louisiana

18
Tennessee

14
Alabama

6
Mississippi

4
South Carolina

3
Texas

2
California

1
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for First Heritage Credit LLC: 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: 51.

4 peers

Know your rights before responding to First Heritage Credit LLC: 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.