Debt collector · complaint record
First Credit Services complaints
Filed under First Credit Services Inc.
Consumers have filed 1,852 complaints about First Credit Services since 2013, 566 of them in the last 12 months (+40% on the year before). It answered 99.8% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 1,852
- Last 12 months
- 566
- Answered on time
- 99.8%
- Closed with relief
- 0%
- Last 30 days
- 14
- Rank
- #70 of 1,963
Since September 2013
+40% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 2, 2026
Most complained-about debt collectors
First Credit Services complaints by month
The busiest month was March 2026 (61 complaints). Complaints in the last 12 months are up 40% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How First Credit Services answered last 12 months
- Closed with explanation56098.9%
- In progress61.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time44/4599.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+40% vs last year
What First Credit Services complaints are about
Top First Credit Services problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 471
- Debt was result of identity theft 121
- Debt was paid 91
- Debt was already discharged in bankruptcy and is no longer owed 8
Where First Credit Services complaints come from
Most complaints: Florida (457), Texas (195), Georgia (165), New Jersey (136), California (80).
First Credit Services compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Lendmark FinancialDebt collection | 8 | 629 | F |
| 2 | Synergetic CommunicationDebt collection | 41 | 624 | D |
| 3 | Army and Air Force Exchange ServiceDebt collection | 52 | 604 | C |
| 4 | The Receivable Management ServicesDebt collection | 52 | 585 | C |
| 5 | First Credit ServicesDebt collection | 50 | 566 | C |
| 6 | Westcreek FinancialDebt collection | 3 | 558 | F |
| 7 | Security FinanceDebt collection | 51 | 552 | C |
| 8 | Penn CreditDebt collection | 51 | 534 | C |
Compare side by side: First Credit Services vs Lendmark Financial · First Credit Services vs Synergetic Communication · First Credit Services vs Army and Air Force Exchange Service · First Credit Services vs The Receivable Management Services
What people say about First Credit Services
All experiencesNo experiences with First Credit Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest First Credit Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 2, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 29, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 25, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 23, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 23, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 21, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 21, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 20, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about First Credit Services
How many complaints does First Credit Services have?
First Credit Services has 1,852 complaints on record since September 2013, including 566 in the last 12 months and 14 in the last 30 days. That makes it number 182 of every company by complaints this year.
Does First Credit Services respond to complaints?
Yes. First Credit Services answered 99.8% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 50/100 (grade C).
What do people complain about most with First Credit Services?
The most common problems are attempts to collect debt not owed (691), took or threatened to take negative or legal action (163), written notification about debt (285).
Is First Credit Services legit?
First Credit Services is a real company with a public complaint record: consumers have complained about it 1,852 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is First Credit Services legit? for the signals, red flags and how to protect yourself.
Are complaints about First Credit Services going up or down?
Up. There were 566 complaints in the last 12 months against 405 in the 12 before (+40%). See every month.
How do I file a complaint against First Credit Services?
Complain to First Credit Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most First Credit Services complaints come from?
Most come from Florida (457), Texas (195), Georgia (165). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about First Credit Services
No comments yet. Start the conversation - questions are welcome too.