Data / Consumer complaints / First Credit Services Inc.

First Credit Services Inc.: 1,151 CFPB consumer complaints in the last 3 years

Name: CFPB consumer complaints against First Credit Services Inc.
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

First Credit Services Inc. drew 1,151 consumer complaints in the CFPB database in the three years to November 6, 2026, and 1,847 since 2013. The largest group, 938, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 459. The company responded on time to 99.9% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaints Get every debt collection company Get debt collection in Florida

1,151Complaints, last 3 years
1,847Complaints, all years
99.9%Responded on time
0.0%Closed with relief
4Products
Oct 25, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

Year	Complaints
2026, to Nov 6	494
2025	441
2024	193
2023	112
2022	85
2021	103
2020	93
2019	62
2018	47
2017	55
2016	42
2015	34
2014	69
2013	17

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Product	Complaints	Share
Debt collection	938	81.5%
Credit reporting or other personal consumer reports	210	18.2%
Credit card	2	0.2%
Mortgage	1	0.1%

Issues

Issue	Complaints	Share
Attempts to collect debt not owed	459	39.9%
Written notification about debt	167	14.5%
Took or threatened to take negative or legal action	143	12.4%
False statements or representation	99	8.6%
Incorrect information on your report	92	8%
Improper use of your report	90	7.8%
Communication tactics	47	4.1%
Problem with a company's investigation into an existing problem	28	2.4%
Electronic communications	17	1.5%
Threatened to contact someone or share information improperly	6	0.5%
Getting a credit card	2	0.2%
Problem with a company's investigation into an existing issue	1	0.1%

How the company responded

Company response	Complaints	Share
Closed with explanation	1,146	99.6%
In progress	5	0.4%

States

State	Complaints	Share
Florida	374	32.5%
Georgia	122	10.6%
Texas	109	9.5%
New Jersey	57	5%
Louisiana	52	4.5%
Michigan	47	4.1%
North Carolina	34	3%
California	32	2.8%
Maryland	28	2.4%
Tennessee	27	2.3%
New York	26	2.3%
Indiana	23	2%
Ohio	22	1.9%
South Carolina	22	1.9%
Massachusetts	16	1.4%
Virginia	16	1.4%
Pennsylvania	15	1.3%
Washington	13	1.1%
Connecticut	10	0.9%
Alabama	9	0.8%
Illinois	9	0.8%
Missouri	9	0.8%
Nevada	8	0.7%
Arizona	7	0.6%
Oklahoma	6	0.5%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

Received	Product	Issue	Company response	Source
October 25, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 23, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
October 23, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
October 21, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 21, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
October 20, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 20, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 18, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
October 17, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 16, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
October 16, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 16, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 15, 2026	Debt collection	Took or threatened to take negative or legal action	Closed with explanation	consumerfinance.gov
October 15, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 15, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
October 15, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 15, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 15, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 14, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 14, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 13, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 13, 2026	Debt collection	Communication tactics	Closed with explanation	consumerfinance.gov
October 13, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 12, 2026	Debt collection	Communication tactics	Closed with explanation	consumerfinance.gov
October 11, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 9, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 9, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 9, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
October 9, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
October 8, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 8, 2026	Debt collection	Attempts to collect debt not owed	In progress	consumerfinance.gov
October 8, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 8, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 7, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 7, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
October 7, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 7, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 6, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 6, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 6, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 6, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 6, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 5, 2026	Debt collection	False statements or representation	In progress	consumerfinance.gov
October 5, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
October 4, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
October 3, 2026	Debt collection	Attempts to collect debt not owed	In progress	consumerfinance.gov
October 3, 2026	Debt collection	Attempts to collect debt not owed	In progress	consumerfinance.gov
October 3, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 2, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 2, 2026	Debt collection	Attempts to collect debt not owed	In progress	consumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.