Lender · complaint record
First Heritage Credit complaints
Filed under FIRST HERITAGE CREDIT LLC
Consumers have filed 175 complaints about First Heritage Credit since 2013, none in the last 12 months. It answered 97.7% on time and closed 33% with relief for the customer. The most common problem is communication tactics.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 175
- Last 12 months
- 0
- Answered on time
- 97.7%
- Closed with relief
- 33%
- Last 30 days
- 0
- Rank
- -
Since December 2013
new vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Oct 7, 2022
First Heritage Credit complaints by month
The busiest month was September 2016 (6 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How First Heritage Credit answered all time
- Closed with monetary relief42.3%
- Closed with non-monetary relief5430.9%
- Closed with explanation11766.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What First Heritage Credit complaints are about
Top First Heritage Credit problems
Inside "Communication tactics"
- Frequent or repeated calls 13
- You told them to stop contacting you, but they keep trying 3
- Used obscene, profane, or other abusive language 2
- Called after sent written cease of comm 2
- Threatened to take legal action 1
- Used obscene/profane/abusive language 1
Where First Heritage Credit complaints come from
Most complaints: Louisiana (55), Tennessee (39), Mississippi (34), South Carolina (14), Alabama (14).
First Heritage Credit compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | SoLo FundsPayday & personal loans | 27 | 29 | F |
| 2 | AAA Auto Title LoansPayday & personal loans | 77 | 29 | B |
| 3 | PowerpayPayday & personal loans | 55 | 26 | C |
| 4 | AmeriCashPayday & personal loans | 10 | 26 | F |
| 5 | DLC, LLCPayday & personal loans | 63 | 26 | C |
| 6 | Boost Your ScorePayday & personal loans | 45 | 25 | D |
| 7 | Special FinancingPayday & personal loans | 60 | 25 | C |
| 8 | First Heritage CreditPayday & personal loans | - | 0 | - |
Compare side by side: First Heritage Credit vs SoLo Funds · First Heritage Credit vs AAA Auto Title Loans · First Heritage Credit vs Powerpay · First Heritage Credit vs AmeriCash
What people say about First Heritage Credit
All experiencesNo experiences with First Heritage Credit yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest First Heritage Credit complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 7, 2022 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 7, 2022 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Fixed |
| Aug 29, 2022 | Payday & personal loans | Getting the loan | Explained |
| Jul 31, 2022 | Payday & personal loans | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 23, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 19, 2022 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Jul 4, 2022 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| May 21, 2022 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| May 5, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Apr 27, 2022 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Apr 25, 2022 | Payday & personal loans | Struggling to pay your loan | Explained |
| Apr 13, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
Questions about First Heritage Credit
How many complaints does First Heritage Credit have?
First Heritage Credit has 175 complaints on record since December 2013, including 0 in the last 12 months and 0 in the last 30 days.
Does First Heritage Credit respond to complaints?
Yes. First Heritage Credit answered 97.7% of its complaints on time (within 15 days) and closed 33% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with First Heritage Credit?
The most common problems are communication tactics (22), incorrect information on your report (21), problems when you are unable to pay (18).
Is First Heritage Credit legit?
First Heritage Credit is a real company with a public complaint record: consumers have complained about it 175 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is First Heritage Credit legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against First Heritage Credit?
Complain to First Heritage Credit 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 Heritage Credit complaints come from?
Most come from Louisiana (55), Tennessee (39), Mississippi (34). 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
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