Total CFPB complaints
917
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 917 complaints
First National Collection Bureau, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about First National Collection Bureau, Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
363 complaints
- Attempts to collect debt not owed 115
Attempts to collect debt not owed
115 complaints
- Disclosure verification of debt 54
Disclosure verification of debt
54 complaints
- Communication tactics 52
Communication tactics
52 complaints
- False statements or representation 52
False statements or representation
52 complaints
- Written notification about debt 34
Written notification about debt
34 complaints
D
Grade D · 58.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about First National Collection Bureau, Inc.?
First National Collection Bureau, Inc. has accumulated 917 total CFPB complaints across 52 states, with 56 filed in the most recent 12 months against 861 historical complaints before that window. The trailing-12-month volume represents 6.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 8% 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 52 states, led by California with 154 and Texas with 108, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.6/100 places First National Collection Bureau, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
56
6.1% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
D
58.6/100 composite
Response-quality profile
How First National Collection Bureau, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 16.2%
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?
First National Collect… 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)
2024-03 2026-02
Top Consumer Issues
Cont'd attempts collect debt not owed363 (%)
Attempts to collect debt not owed115 (%)
Disclosure verification of debt54 (%)
Communication tactics52 (%)
False statements or representation52 (%)
Written notification about debt34 (%)
Taking/threatening an illegal action22 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 256 |
| Attempts to collect debt not owed | Debt is not yours | 92 |
| Cont'd attempts collect debt not owed | Debt was paid | 68 |
| Disclosure verification of debt | Not given enough info to verify debt | 54 |
| Communication tactics | Frequent or repeated calls | 52 |
| False statements or representation | Attempted to collect wrong amount | 52 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 39 |
| Written notification about debt | Didn't receive enough information to verify debt | 34 |
| Attempts to collect debt not owed | Debt was result of identity theft | 23 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 22 |
Where do complaints against First National Collection Bureau, Inc. come from?
The states where consumers have filed the most CFPB complaints against First National Collection Bureau, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against First National Collection Bureau, Inc.
Across 52 states with at least one filing
- California
California
154 complaints
- Texas
Texas
108 complaints
- Florida
Florida
100 complaints
- Pennsylvania 36
Pennsylvania
36 complaints
- Georgia 36
Georgia
36 complaints
- New York 27
New York
27 complaints
- Illinois 26
Illinois
26 complaints
- Arizona 23
Arizona
23 complaints
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 917 complaints filed with the CFPB.
Are complaints against First National Collection Bureau, Inc. increasing or decreasing? ▼
Complaints against First National Collection Bureau, Inc. are rising. The company received 56 complaints in the last 12 months, indicating an upward trend in consumer issues.
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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (154 complaints).
What can I do if First National Collection Bureau, 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 National Collection Bureau, 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 |