Total CFPB complaints
6
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 6 complaints
FIRST NIAGARA FINANCIAL GROUP, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FIRST NIAGARA FINANCIAL GROUP, INC.
- Communication tactics
Communication tactics
4 complaints
- False statements or representation
False statements or representation
2 complaints
B
Grade B · 73.7/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about FIRST NIAGARA FINANCIAL GROUP, INC.?
FIRST NIAGARA FINANCIAL GROUP, INC. has accumulated 6 total CFPB complaints across 3 states, with 0 filed in the most recent 12 months against 6 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 33% 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 3 states, led by Pennsylvania with 3 and New York with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 73.7/100 places FIRST NIAGARA FINANCIAL GROUP, INC. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
B
73.7/100 composite
Response-quality profile
How FIRST NIAGARA FINANCIAL GROUP, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does FIRST NIAGARA FINANCIAL GROUP, INC. compare to its peers?
FIRST NIAGARA FINANCIA… 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)
2014-02 2016-02
Top Consumer Issues
Communication tactics4 (%)
False statements or representation2 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 3 |
| False statements or representation | Indicated shouldn't respond to lawsuit | 2 |
| Communication tactics | Called after sent written cease of comm | 1 |
Where do complaints against FIRST NIAGARA FINANCIAL GROUP, INC. come from?
The states where consumers have filed the most CFPB complaints against FIRST NIAGARA FINANCIAL GROUP, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FIRST NIAGARA FINANCIAL GROUP, INC.
Across 3 states with at least one filing
- Pennsylvania
Pennsylvania
3 complaints
- New York
New York
2 complaints
- Connecticut 1
Connecticut
1 complaints
Frequently Asked Questions
What is the most common complaint against FIRST NIAGARA FINANCIAL GROUP, INC.? ▼
The most common issue consumers report about FIRST NIAGARA FINANCIAL GROUP, INC. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 6 complaints filed with the CFPB.
Are complaints against FIRST NIAGARA FINANCIAL GROUP, INC. increasing or decreasing? ▼
Complaints against FIRST NIAGARA FINANCIAL GROUP, INC. have been stable. The company received 0 complaints in the last 12 months.
What is FIRST NIAGARA FINANCIAL GROUP, INC.'s reputation grade? ▼
FIRST NIAGARA FINANCIAL GROUP, INC. has a reputation grade of B (score: 73.7/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does FIRST NIAGARA FINANCIAL GROUP, INC. respond to consumer complaints? ▼
FIRST NIAGARA FINANCIAL GROUP, INC. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does FIRST NIAGARA FINANCIAL GROUP, INC. operate? ▼
FIRST NIAGARA FINANCIAL GROUP, INC. has received CFPB complaints from consumers in 3 states, with the most complaints from Pennsylvania (3 complaints).
What can I do if FIRST NIAGARA FINANCIAL GROUP, 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 NIAGARA FINANCIAL GROUP, 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 |