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

Data updated July 2026

D

Grade D · 58.6/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: First National Collection Bureau, Inc. ranks ahead of 37% of the 5,283 collectors PlainCollector grades - 63% keep a cleaner CFPB record, on 940 all-time complaints and a 98% timely-response rate.

37th pct
reputation rank of 5,283 graded collectors
940
CFPB complaints, all-time
98%
answered inside the CFPB window
62
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about First National Collection Bureau, Inc.?

First National Collection Bureau, Inc. has accumulated 940 total CFPB complaints across 52 states, with 62 filed in the most recent 12 months against 878 historical complaints before that window. The trailing-12-month volume represents 6.6% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine". The company posts a 98% timely-response rate against a 8% consumer-dispute-after-response rate.

Complaints have been recorded across 52 states, led by California with 157 and Texas with 109. Normalized against the full CFPB collector database, the reputation score of 58.6/100 places First National Collection Bureau, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

940

mid-volume (CCDB)

Last 12 months

62

6.6% of all-time complaints

Falling ↓

States active

52

nationwide footprint

Timely response rate

98%

excellent band

Consumer disputes

8%

low (vertical avg ~19%)

Reputation grade

D

58.6/100 composite

How does First National Collection Bureau, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 37th percentile higher than 37% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

First National Collection Bureau, Inc. versus the debt-collection vertical average.

Timely response within SLA 98.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 8.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 92.9%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
First National Collect… 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.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if First National Collection Bureau, Inc. contacts you

A grade of D signals how First National Collection Bureau, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really First National Collection Bureau, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how First National Collection Bureau, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 58.6/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.