First Credit Services INC. -- Consumer Complaint Report & Risk Analysis
Debt Collection and Reporting Issues at First Credit Services Inc.
Complaint Summary
First Credit Services INC. has received 202 consumer complaints filed with the CFPB across 3 products. The most common issues reported are attempts to collect debt not owed, written notification about debt, communication tactics. Complaints span 32 states, with Florida and Texas leading in complaint volume.
Company Overview
Company: First Credit Services INC.
Total CFPB Complaints: 202
AI Risk Score: 35/100
Most Recent Complaint: 2026-04-28T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: low
AI Company Analysis
First Credit Services Inc. has 202 consumer complaints on file with the CFPB. Company has taken or threatened negative or legal action against customers. Attempts to collect debts that customers do not owe.
Response Quality Assessment
fair
Top Consumer Issues
Negative or legal actions taken against customers. -- Severity: medium
Red Flags
- Multiple complaints about incorrect information on reports.
Green Flags
- Company has a history of timely responses to complaints.
Consumer Tips & Advice
Be cautious about any negative actions taken by the company.
Complaint Trend Analysis
There is a trend of increasing complaints over the past year.
Regulatory History
The company has a history of regulatory compliance but has faced issues in the past.
Industry Context
First Credit Services Inc. is involved in debt collection and credit reporting, which are regulated industries.
Frequently Asked Questions About First Credit Services INC.
How many CFPB complaints does First Credit Services Inc. have?
First Credit Services Inc. has 202 complaints on file with the CFPB. The most recent complaint was filed on April 28, 2026.
What is First Credit Services Inc.'s complaint response rate?
Response rate data is not yet available for First Credit Services Inc..
Does First Credit Services Inc. respond to complaints on time?
Timely response data is not yet available for First Credit Services Inc..
Is First Credit Services Inc. safe to do business with?
Debt Collection and Reporting Issues at First Credit Services Inc. First Credit Services Inc. has 202 CFPB complaints. Risk score: 35/100.
What red flags exist for First Credit Services Inc.?
Potential red flags for First Credit Services Inc.: Multiple complaints about incorrect information on reports.. These are based on analysis of CFPB complaint patterns.
What are First Credit Services Inc.'s strengths?
Positive indicators for First Credit Services Inc.: Company has a history of timely responses to complaints..
What tips should consumers know about First Credit Services Inc.?
Be cautious about any negative actions taken by the company.
Are complaints against First Credit Services Inc. increasing or decreasing?
There is a trend of increasing complaints over the past year. First Credit Services Inc. currently has 202 total complaints.
Has First Credit Services Inc. faced regulatory action?
The company has a history of regulatory compliance but has faced issues in the past.
How does First Credit Services Inc. compare to industry peers?
First Credit Services Inc. is involved in debt collection and credit reporting, which are regulated industries.
What unique insight can be provided about the company's handling of complaints?
The company has shown a moderate response rate to complaints, but there have been multiple instances of incorrect information on reports, indicating a need for improved accuracy in their processes.
Recent Complaints Against First Credit Services INC.
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #21688999 | Debt collection | Attempts to collect debt not owed | 2026-04-28T12:00:00-05:00 | Georgia | |
| #21174755 | Credit reporting or other personal consumer reports | Improper use of your report | 2026-04-12T12:00:00-05:00 | Florida | |
| #21174723 | Debt collection | False statements or representation | 2026-04-12T12:00:00-05:00 | Florida | |
| #20829005 | Debt collection | Took or threatened to take negative or legal action | 2026-03-31T12:00:00-05:00 | Florida | |
| #20482611 | Debt collection | Written notification about debt | 2026-03-21T12:00:00-05:00 | New Jersey | |
| #20469321 | Debt collection | Took or threatened to take negative or legal action | 2026-03-20T12:00:00-05:00 | Louisiana | |
| #20185057 | Debt collection | Attempts to collect debt not owed | 2026-03-11T12:00:00-05:00 | Florida | |
| #19467882 | Debt collection | Took or threatened to take negative or legal action | 2026-02-12T12:00:00-05:00 | Michigan | |
| #19467066 | Credit reporting or other personal consumer reports | Incorrect information on your report | 2026-02-12T12:00:00-05:00 | Florida | |
| #19320924 | Debt collection | Took or threatened to take negative or legal action | 2026-02-06T12:00:00-05:00 | Georgia | |
| #19146788 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | 2026-01-30T12:00:00-05:00 | New Jersey | |
| #18907346 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | 2026-01-21T12:00:00-05:00 | Michigan | |
| #18699631 | Debt collection | Took or threatened to take negative or legal action | 2026-01-13T12:00:00-05:00 | Oregon | |
| #18093762 | Debt collection | Attempts to collect debt not owed | 2025-12-16T12:00:00-05:00 | Florida | |
| #18155395 | Debt collection | False statements or representation | 2025-12-03T12:00:00-05:00 | Michigan | |
| #18141562 | Debt collection | Attempts to collect debt not owed | 2025-12-03T12:00:00-05:00 | Michigan | |
| #18087892 | Credit reporting or other personal consumer reports | Incorrect information on your report | 2025-12-01T12:00:00-05:00 | Florida | |
| #17997125 | Debt collection | Took or threatened to take negative or legal action | 2025-11-29T12:00:00-05:00 | Louisiana | |
| #17991995 | Debt collection | Attempts to collect debt not owed | 2025-11-29T12:00:00-05:00 | New Jersey | |
| #17990579 | Credit reporting or other personal consumer reports | Incorrect information on your report | 2025-11-28T12:00:00-05:00 | South Carolina |
First Credit Services INC. Complaints by State
- First Credit Services INC. Complaints in Florida -- 58 complaints
- First Credit Services INC. Complaints in Texas -- 20 complaints
- First Credit Services INC. Complaints in Georgia -- 14 complaints
- First Credit Services INC. Complaints in New Jersey -- 14 complaints
- First Credit Services INC. Complaints in New York -- 14 complaints
- First Credit Services INC. Complaints in Michigan -- 9 complaints
- First Credit Services INC. Complaints in Pennsylvania -- 8 complaints
- First Credit Services INC. Complaints in California -- 7 complaints
- First Credit Services INC. Complaints in Louisiana -- 5 complaints
- First Credit Services INC. Complaints in South Carolina -- 5 complaints
- First Credit Services INC. Complaints in Tennessee -- 5 complaints
- First Credit Services INC. Complaints in North Carolina -- 4 complaints
- First Credit Services INC. Complaints in Virginia -- 4 complaints
- First Credit Services INC. Complaints in Maryland -- 4 complaints
- First Credit Services INC. Complaints in Arizona -- 4 complaints
First Credit Services INC. Complaints by Product
- First Credit Services INC. Debt collection Complaints -- 162 complaints | All Debt collection Complaints
- First Credit Services INC. Credit reporting or other personal consumer reports Complaints -- 26 complaints | All Credit reporting or other personal consumer reports Complaints
- First Credit Services INC. Credit reporting, credit repair services, or other personal consumer reports Complaints -- 14 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
First Credit Services INC. Complaints by Issue
- First Credit Services INC. -- Attempts to collect debt not owed -- 78 complaints | All Attempts to collect debt not owed Complaints
- First Credit Services INC. -- Written notification about debt -- 26 complaints | All Written notification about debt Complaints
- First Credit Services INC. -- Communication tactics -- 24 complaints | All Communication tactics Complaints
- First Credit Services INC. -- Took or threatened to take negative or legal action -- 21 complaints | All Took or threatened to take negative or legal action Complaints
- First Credit Services INC. -- Incorrect information on your report -- 16 complaints | All Incorrect information on your report Complaints
- First Credit Services INC. -- Improper use of your report -- 15 complaints | All Improper use of your report Complaints
- First Credit Services INC. -- False statements or representation -- 12 complaints | All False statements or representation Complaints
- First Credit Services INC. -- Problem with a credit reporting company's investigation into an existing problem -- 6 complaints | All Problem with a credit reporting company's investigation into an existing problem Complaints
- First Credit Services INC. -- Problem with a company's investigation into an existing problem -- 3 complaints | All Problem with a company's investigation into an existing problem Complaints
- First Credit Services INC. -- Threatened to contact someone or share information improperly -- 1 complaints | All Threatened to contact someone or share information improperly Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for First Credit Services INC. is generated by ReadTheComplaint using AI analysis of data from the CFPB.