Total CFPB complaints
30
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 30 complaints
FIRSTBANK PUERTO RICO — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FIRSTBANK PUERTO RICO
- Communication tactics
Communication tactics
6 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Written notification about debt
Written notification about debt
4 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
C
Grade C · 65.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about FIRSTBANK PUERTO RICO?
FIRSTBANK PUERTO RICO has accumulated 30 total CFPB complaints across 5 states, with 4 filed in the most recent 12 months against 26 historical complaints before that window. The trailing-12-month volume represents 13.3% 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 "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 97% timely-response rate against a 20% 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 5 states, led by Puerto Rico with 21 and Florida with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.0/100 places FIRSTBANK PUERTO RICO in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
13.3% of total history
Falling ↓
States active
5
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
65.0/100 composite
Response-quality profile
How FIRSTBANK PUERTO RICO performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does FIRSTBANK PUERTO RICO compare to its peers?
FIRSTBANK PUERTO RICO 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)
2015-07 2026-02
Top Consumer Issues
Communication tactics6 (%)
Written notification about debt4 (%)
Took or threatened to take negative or legal action3 (%)
Attempts to collect debt not owed6 (%)
Threatened to contact someone or share information improperly1 (%)
Cont'd attempts collect debt not owed1 (%)
Disclosure verification of debt1 (%)
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 | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
Where do complaints against FIRSTBANK PUERTO RICO come from?
The states where consumers have filed the most CFPB complaints against FIRSTBANK PUERTO RICO. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FIRSTBANK PUERTO RICO
Across 5 states with at least one filing
- Puerto Rico
Puerto Rico
21 complaints
- Florida 4
Florida
4 complaints
- California 2
California
2 complaints
- Maryland 1
Maryland
1 complaints
- Virginia 1
Virginia
1 complaints
Frequently Asked Questions
What is the most common complaint against FIRSTBANK PUERTO RICO? ▼
The most common issue consumers report about FIRSTBANK PUERTO RICO is "Communication tactics", specifically "Frequent or repeated calls". This is based on 30 complaints filed with the CFPB.
Are complaints against FIRSTBANK PUERTO RICO increasing or decreasing? ▼
Complaints against FIRSTBANK PUERTO RICO are falling. The company received 4 complaints in the last 12 months, showing improvement over prior periods.
What is FIRSTBANK PUERTO RICO's reputation grade? ▼
FIRSTBANK PUERTO RICO has a reputation grade of C (score: 65.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does FIRSTBANK PUERTO RICO respond to consumer complaints? ▼
FIRSTBANK PUERTO RICO has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does FIRSTBANK PUERTO RICO operate? ▼
FIRSTBANK PUERTO RICO has received CFPB complaints from consumers in 5 states, with the most complaints from Puerto Rico (21 complaints).
What can I do if FIRSTBANK PUERTO RICO 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 FIRSTBANK PUERTO RICO 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 |