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

CFPB complaint data Grade D 940 complaints

First National Collection Bureau, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Complaints by issue type

What consumers report about First National Collection Bureau, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record first-national-collection-bureau-inc First National Collection Bureau, Inc.

Grade D · 940 CFPB filings · 98% timely · lead issue: Cont'd attempts collect debt not owed · vol #164 · compose #109

  • VOL 940
  • GRADE D
  • 12MO 62
  • STATES 52
  • TIMELY 98%
  • DISPUTE 8%
  • ISSUE Cont'd attempts collect de…
  • RANK #164
  • COMPOSE #109

Volume peers

Nearest volume peer: URS Holding, LLC (940 complaints)

URS Holding, LLCURS Holding, LLC940First National Collection Bureau, Inc. (this)First National Collection Bu…940Pressler & Pressler, LLPPressler & Pressler, LLP946Adler Wallach & Associates, Inc.Adler Wallach & Associates, …947Paramount Recovery Systems, L.P.Paramount Recovery Systems, …948
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

First National Collection Bureau, Inc.'s 940 CFPB complaints sit next to URS Holding, LLC 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 →

How the 940 complaints break down

Every complaint issue type on record for First National Collection Bureau, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.5/100
First National Collection Bureau, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
940
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
8%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for First National Collection Bureau, Inc. (16.7%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 16.7%
Mid-band (15–30%) · 52 states with ≥1 filing
Seasonal peak
2025-12 8.8%
8–15% band · 12 filings
Corpus ranks
#164 volume
#109 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does First National Collection Bureau, Inc. compare to its peers?

How does First National Collection Bureau, 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 National Collection Bureau, Inc. National average
Complaints (last 12 mo)lower is better
62
13
268
Timely-response ratehigher is better
98%
97%
91%
Consumer-dispute ratelower is better
8%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy First National Collection Bureau, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 75%80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) First National Collection Bureau, Inc. vs. 9 similar-volume peers, by response speed and dispute rate First National Collection Bureau, Inc.URS Holding, LLCPressler & Pressler, LLPAdler Wallach & Associates, Inc.Paramount Recovery Systems, L.P.Kimball, Tirey & St. John LLPZWICKER & ASSOCIATESProfessional Recovery ManagementDitech Financial LLCAES/PHEAA
Source: CFPB Consumer Complaint Database

First National Collection Bureau, Inc.'s complaint volume in context

First National Collection Bureau, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

940 Top 3% higher than 97% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. First National Collection Bureau, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-03 2026-03

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
377
Attempts to collect debt not owed
142
Communication tactics
102
Disclosure verification of debt
72
False statements or representation
70
Written notification about debt
55
Improper contact or sharing of info
32
Electronic communications
30
Taking/threatening an illegal action
24
Took or threatened to take negative or legal action
22

Where do complaints against First National Collection Bureau, Inc. come from?

First National Collection Bureau, Inc.'s own per-state count, not a national baseline.

Top states by complaints against First National Collection Bureau, Inc.

Across 52 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for First National Collection Bureau, 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: 940.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.47328244274809%.

4 peers

Know your rights before responding to First National Collection Bureau, 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.