Total CFPB complaints
73
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 73 complaints
SCHOOLSFIRST FEDERAL CREDIT UNION — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SCHOOLSFIRST FEDERAL CREDIT UNION
- Attempts to collect debt not owed
Attempts to collect debt not owed
29 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
17 complaints
- Written notification about debt 11
Written notification about debt
11 complaints
- False statements or representation 8
False statements or representation
8 complaints
- Confusing or missing disclosures 1
Confusing or missing disclosures
1 complaints
- Charged upfront or unexpected fees 1
Charged upfront or unexpected fees
1 complaints
B
Grade B · 67.0/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about SCHOOLSFIRST FEDERAL CREDIT UNION?
SCHOOLSFIRST FEDERAL CREDIT UNION has accumulated 73 total CFPB complaints across 11 states, with 38 filed in the most recent 12 months against 35 historical complaints before that window. The trailing-12-month volume represents 52.1% 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 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 11 states, led by California with 61 and Georgia with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.0/100 places SCHOOLSFIRST FEDERAL CREDIT UNION 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
38
52.1% of total history
Rising ↑
States active
11
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
67.0/100 composite
Response-quality profile
How SCHOOLSFIRST FEDERAL CREDIT UNION 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.
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 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does SCHOOLSFIRST FEDERAL CREDIT UNION compare to its peers?
SCHOOLSFIRST FEDERAL C… 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)
2021-06 2026-03
Top Consumer Issues
Attempts to collect debt not owed29 (%)
Took or threatened to take negative or legal action17 (%)
False statements or representation8 (%)
Written notification about debt11 (%)
Confusing or missing disclosures1 (%)
Charged upfront or unexpected fees1 (%)
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 | 18 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 17 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 2 |
| Confusing or missing disclosures | — | 1 |
| Charged upfront or unexpected fees | — | 1 |
Where do complaints against SCHOOLSFIRST FEDERAL CREDIT UNION come from?
The states where consumers have filed the most CFPB complaints against SCHOOLSFIRST FEDERAL CREDIT UNION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SCHOOLSFIRST FEDERAL CREDIT UNION
Across 11 states with at least one filing
- California
California
61 complaints
- Georgia 2
Georgia
2 complaints
- Idaho 1
Idaho
1 complaints
- New York 1
New York
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Michigan 1
Michigan
1 complaints
- Tennessee 1
Tennessee
1 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
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 73 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 38 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: 67.0/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 11 states, with the most complaints from California (61 complaints).
What can I do if SCHOOLSFIRST FEDERAL CREDIT UNION 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 SCHOOLSFIRST FEDERAL CREDIT UNION 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 |