Total CFPB complaints
15
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 15 complaints
FirstCollect, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FirstCollect, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
8 complaints
- Written notification about debt
Written notification about debt
5 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
B
Grade B · 71.2/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about FirstCollect, Inc.?
FirstCollect, Inc. has accumulated 15 total CFPB complaints across 8 states, with 1 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 6.7% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 87% timely-response rate against a 0% 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 8 states, led by Delaware with 8 and Maryland with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 71.2/100 places FirstCollect, 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
1
6.7% of total history
Stable →
States active
8
Distinct state filings
Timely response rate
87%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
71.2/100 composite
Response-quality profile
How FirstCollect, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 86.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does FirstCollect, Inc. compare to its peers?
FirstCollect, Inc. 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)
2016-11 2025-05
Top Consumer Issues
Attempts to collect debt not owed8 (%)
Written notification about debt5 (%)
Cont'd attempts collect debt not owed1 (%)
Communication tactics1 (%)
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 | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
Where do complaints against FirstCollect, Inc. come from?
The states where consumers have filed the most CFPB complaints against FirstCollect, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FirstCollect, Inc.
Across 8 states with at least one filing
- Delaware
Delaware
8 complaints
- Maryland 1
Maryland
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- North Carolina 1
North Carolina
1 complaints
- New Jersey 1
New Jersey
1 complaints
- District of Columbia 1
District of Columbia
1 complaints
- Illinois 1
Illinois
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against FirstCollect, Inc.? ▼
The most common issue consumers report about FirstCollect, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 15 complaints filed with the CFPB.
Are complaints against FirstCollect, Inc. increasing or decreasing? ▼
Complaints against FirstCollect, Inc. have been stable. The company received 1 complaints in the last 12 months.
What is FirstCollect, Inc.'s reputation grade? ▼
FirstCollect, Inc. has a reputation grade of B (score: 71.2/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does FirstCollect, Inc. respond to consumer complaints? ▼
FirstCollect, Inc. has a 87% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does FirstCollect, Inc. operate? ▼
FirstCollect, Inc. has received CFPB complaints from consumers in 8 states, with the most complaints from Delaware (8 complaints).
What can I do if FirstCollect, 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 FirstCollect, 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 |