Total CFPB complaints
41
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 41 complaints
FirstCredit, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FirstCredit, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
19 complaints
- Communication tactics 7
Communication tactics
7 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Written notification about debt 5
Written notification about debt
5 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
D
Grade D · 57.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about FirstCredit, Inc.?
FirstCredit, Inc. has accumulated 41 total CFPB complaints across 12 states, with 12 filed in the most recent 12 months against 29 historical complaints before that window. The trailing-12-month volume represents 29.3% 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 12 states, led by Ohio with 17 and Pennsylvania with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.1/100 places FirstCredit, Inc. 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
12
29.3% of total history
Rising ↑
States active
12
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
57.1/100 composite
Response-quality profile
How FirstCredit, 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.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does FirstCredit, Inc. compare to its peers?
FirstCredit, 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)
2022-11 2026-01
Top Consumer Issues
Attempts to collect debt not owed19 (%)
Communication tactics7 (%)
False statements or representation5 (%)
Written notification about debt5 (%)
Took or threatened to take negative or legal action2 (%)
Threatened to contact someone or share information improperly1 (%)
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 | 12 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Communication tactics | Frequent or repeated calls | 5 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
Where do complaints against FirstCredit, Inc. come from?
The states where consumers have filed the most CFPB complaints against FirstCredit, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FirstCredit, Inc.
Across 12 states with at least one filing
- Ohio
Ohio
17 complaints
- Pennsylvania 5
Pennsylvania
5 complaints
- Idaho 5
Idaho
5 complaints
- Florida 2
Florida
2 complaints
- North Carolina 2
North Carolina
2 complaints
- Texas 2
Texas
2 complaints
- Michigan 2
Michigan
2 complaints
- New York 2
New York
2 complaints
Frequently Asked Questions
What is the most common complaint against FirstCredit, Inc.? ▼
The most common issue consumers report about FirstCredit, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 41 complaints filed with the CFPB.
Are complaints against FirstCredit, Inc. increasing or decreasing? ▼
Complaints against FirstCredit, Inc. are rising. The company received 12 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FirstCredit, Inc.'s reputation grade? ▼
FirstCredit, Inc. has a reputation grade of D (score: 57.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does FirstCredit, Inc. respond to consumer complaints? ▼
FirstCredit, Inc. has a 100% timely response rate to CFPB complaints.
In how many states does FirstCredit, Inc. operate? ▼
FirstCredit, Inc. has received CFPB complaints from consumers in 12 states, with the most complaints from Ohio (17 complaints).
What can I do if FirstCredit, 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 FirstCredit, 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 |