Total CFPB complaints
59
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 59 complaints
FIRST TECHNOLOGY FEDERAL CREDIT UNION — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FIRST TECHNOLOGY FEDERAL CREDIT UNION
- Attempts to collect debt not owed
Attempts to collect debt not owed
30 complaints
- Took or threatened to take negative or legal action 11
Took or threatened to take negative or legal action
11 complaints
- Written notification about debt 9
Written notification about debt
9 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Confusing or misleading advertising or marketing 1
Confusing or misleading advertising or marketing
1 complaints
D
Grade D · 55.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about FIRST TECHNOLOGY FEDERAL CREDIT UNION?
FIRST TECHNOLOGY FEDERAL CREDIT UNION has accumulated 59 total CFPB complaints across 18 states, with 33 filed in the most recent 12 months against 26 historical complaints before that window. The trailing-12-month volume represents 55.9% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 18 states, led by Massachusetts with 15 and California with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.4/100 places FIRST TECHNOLOGY FEDERAL CREDIT UNION 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
33
55.9% of total history
Rising ↑
States active
18
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
55.4/100 composite
Response-quality profile
How FIRST TECHNOLOGY FEDERAL CREDIT UNION 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.
State coverage breadth 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does FIRST TECHNOLOGY FEDERAL CREDIT UNION compare to its peers?
FIRST TECHNOLOGY FEDER… 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)
2024-02 2026-02
Top Consumer Issues
Attempts to collect debt not owed30 (%)
Took or threatened to take negative or legal action11 (%)
False statements or representation5 (%)
Written notification about debt9 (%)
Threatened to contact someone or share information improperly1 (%)
Confusing or misleading advertising or marketing1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 20 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 9 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Confusing or misleading advertising or marketing | — | 1 |
Where do complaints against FIRST TECHNOLOGY FEDERAL CREDIT UNION come from?
The states where consumers have filed the most CFPB complaints against FIRST TECHNOLOGY FEDERAL CREDIT UNION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FIRST TECHNOLOGY FEDERAL CREDIT UNION
Across 18 states with at least one filing
- Massachusetts
Massachusetts
15 complaints
- California
California
7 complaints
- Illinois
Illinois
7 complaints
- Texas 5
Texas
5 complaints
- Georgia 4
Georgia
4 complaints
- New Jersey 3
New Jersey
3 complaints
- Pennsylvania 3
Pennsylvania
3 complaints
- Kentucky 2
Kentucky
2 complaints
Frequently Asked Questions
What is the most common complaint against FIRST TECHNOLOGY FEDERAL CREDIT UNION? ▼
The most common issue consumers report about FIRST TECHNOLOGY FEDERAL CREDIT UNION is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 59 complaints filed with the CFPB.
Are complaints against FIRST TECHNOLOGY FEDERAL CREDIT UNION increasing or decreasing? ▼
Complaints against FIRST TECHNOLOGY FEDERAL CREDIT UNION are rising. The company received 33 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FIRST TECHNOLOGY FEDERAL CREDIT UNION's reputation grade? ▼
FIRST TECHNOLOGY FEDERAL CREDIT UNION has a reputation grade of D (score: 55.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does FIRST TECHNOLOGY FEDERAL CREDIT UNION respond to consumer complaints? ▼
FIRST TECHNOLOGY FEDERAL CREDIT UNION has a 100% timely response rate to CFPB complaints.
In how many states does FIRST TECHNOLOGY FEDERAL CREDIT UNION operate? ▼
FIRST TECHNOLOGY FEDERAL CREDIT UNION has received CFPB complaints from consumers in 18 states, with the most complaints from Massachusetts (15 complaints).
What can I do if FIRST TECHNOLOGY FEDERAL CREDIT UNION 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 TECHNOLOGY FEDERAL CREDIT UNION 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 |