What is the most common complaint against First National Collection Bureau, Inc.?

The most common issue consumers report about First National Collection Bureau, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 940 complaints filed with the CFPB.

Are complaints against First National Collection Bureau, Inc. increasing or decreasing?

Complaints against First National Collection Bureau, Inc. are falling. The company received 62 complaints in the last 12 months, showing improvement over prior periods.

What is First National Collection Bureau, Inc.'s reputation grade?

First National Collection Bureau, Inc. has a reputation grade of D (score: 55.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First National Collection Bureau, Inc. respond to consumer complaints?

First National Collection Bureau, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.

In how many states does First National Collection Bureau, Inc. operate?

First National Collection Bureau, Inc. has received CFPB complaints from consumers in 52 states, with the most complaints from California (157 complaints).

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

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

CFPB complaint profile across 52 states, reputation grade D.

Compiled by PlainCollector

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

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 #3257

VOL 940
GRADE D
12MO 62
STATES 52
TIMELY 98%
DISPUTE 8%
ISSUE Cont'd attempts collect de…
RANK #164
COMPOSE #3,257

Volume peers

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

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 →

Filing geometry

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

Volume rank #164 and composite rank #3,257 diverge by 3,093 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #164 volume; #3,257 composite; Cleanest-composite ladder is 3,093 places worse than volume

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 Collect… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

97%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

157
Texas

109
Florida

104
Georgia

37
Pennsylvania

37
New York

28
Illinois

27
New Jersey

24

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.