Debt collection
First Credit Services debt collection complaints
Consumers have filed 1,580 complaints about First Credit Services's debt collection, 478 in the last 12 months (+49%). First Credit Services answered 99.8% on time and closed 0% with relief. See the whole First Credit Services record.
First Credit Services against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | First Credit Services | 478 | 99.8% | 0% |
Latest First Credit Services debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Aug 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 16, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 14, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 7, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Aug 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 4, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 4, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Aug 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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
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