What is the most common complaint against Schoolsfirst Federal Credit Union?

The most common issue consumers report about Schoolsfirst Federal Credit Union is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 89 complaints filed with the CFPB.

Are complaints against Schoolsfirst Federal Credit Union increasing or decreasing?

Complaints against Schoolsfirst Federal Credit Union are rising. The company received 50 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Schoolsfirst Federal Credit Union's reputation grade?

Schoolsfirst Federal Credit Union has a reputation grade of B (score: 64.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Schoolsfirst Federal Credit Union respond to consumer complaints?

Schoolsfirst Federal Credit Union has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Schoolsfirst Federal Credit Union operate?

Schoolsfirst Federal Credit Union has received CFPB complaints from consumers in 14 states, with the most complaints from California (74 complaints).

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

Schoolsfirst Federal Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

34
Took or threatened to take negative or legal action

28
Written notification about debt

12
False statements or representation

11
Cont'd attempts collect debt not owed

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record schoolsfirst-federal-credit-union Schoolsfirst Federal Credit Union

Grade B · 89 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #874 · compose #1885

VOL 89
GRADE B
12MO 50
STATES 14
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #874
COMPOSE #1,885

Volume peers

Nearest volume peer: Action Collection Agencies, Inc. (89 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Schoolsfirst Federal Credit Union's 89 CFPB complaints sit next to Action Collection Agencies, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

83.1% of Schoolsfirst Federal Credit Union's CFPB filings land in California

High volume does not equal a clean composite: Schoolsfirst Federal Credit Union is volume #874 but composite #1,885, while California dominates the geography. Corpus placement method.

Dominant state: California 83.1%; 74 of 89 filings · 14 states touched
Seasonal peak: 2024-11 10.5%; 8–15% band · 9 filings
Divergent corpus ranks: #874 volume; #1,885 composite; Cleanest-composite ladder is 1,011 places worse than volume

How does Schoolsfirst Federal Credit Union compare to its peers?

How does SCHOOLSFIRST FEDERAL CREDIT UNION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

SCHOOLSFIRST FEDERAL C… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

87%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-12 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	34
Took or threatened to take negative or legal action	28
Written notification about debt	12
False statements or representation	11
Cont'd attempts collect debt not owed	1
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1
Electronic communications	1

Where do complaints against Schoolsfirst Federal Credit Union come from?

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

California

74
Georgia

2
Alabama

1
Florida

1
Idaho

1
Massachusetts

1
Michigan

1
Nevada

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Schoolsfirst Federal Credit Union: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 89.

4 peers

Know your rights before responding to Schoolsfirst Federal Credit Union: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.