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

CFPB complaint data Grade D 57 complaints

First Technology Federal Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade D.

Complaints by issue type

What consumers report about First Technology Federal Credit Union

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 54.3/100 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 Technology Federal Credit Union ranks ahead of 23% of the 5,283 collectors PlainCollector grades - 77% keep a cleaner CFPB record, on 57 all-time complaints and a 96% timely-response rate.

23rd pct
reputation rank of 5,283 graded collectors
57
CFPB complaints, all-time
96%
answered inside the CFPB window
16
in the last 12 months (stable)

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 Technology Federal Credit Union?

First Technology Federal Credit Union has accumulated 57 total CFPB complaints across 17 states, with 16 filed in the most recent 12 months against 41 historical complaints before that window. The trailing-12-month volume represents 28.1% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 96% timely-response rate.

Complaints have been recorded across 17 states, led by California with 11 and North Carolina with 6. Normalized against the full CFPB collector database, the reputation score of 54.3/100 places First Technology Federal Credit Union in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

57

low-volume (CCDB)

Last 12 months

16

28.1% of all-time complaints

Stable →

States active

17

regional footprint

Timely response rate

96%

excellent band

Reputation grade

D

54.3/100 composite

How does First Technology Federal Credit Union's reputation rank nationally?

Reputation score vs. every graded collector

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

54 Bottom 23% higher than 23% 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 Technology Federal Credit Union versus the debt-collection vertical average.

Timely response within SLA 96.5%
Vertical avg

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

State coverage breadth 30.4%

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?

How does First Technology Federal Credit Union compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
First Technology Feder… National average
Complaints (last 12 mo)lower is better
16
16
268
Timely-response ratehigher is better
96%
88%
91%
Consumer-dispute ratelower is better
0%
31%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-08 2024-07

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 28
Took or threatened to take negative or legal action - 13
Written notification about debt - 9
False statements or representation - 4
Communication tactics - 3

Where do complaints against First Technology Federal Credit Union come from?

First Technology Federal Credit Union's own per-state count, not a national baseline.

Top states by complaints against First Technology Federal Credit Union

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if First Technology Federal Credit Union contacts you

A grade of D signals how First Technology Federal Credit Union'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 Technology Federal Credit Union 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 Technology Federal Credit Union 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 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 57 complaints filed with the CFPB.

Are complaints against First Technology Federal Credit Union increasing or decreasing? ▼

Complaints against First Technology Federal Credit Union have been stable. The company received 16 complaints in the last 12 months.

What is First Technology Federal Credit Union's reputation grade? ▼

First Technology Federal Credit Union has a reputation grade of D (score: 54.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First Technology Federal Credit Union respond to consumer complaints? ▼

First Technology Federal Credit Union has a 96% 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 17 states, with the most complaints from California (11 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.