Credit bureau · complaint record
First Reliance complaints
Filed under First Reliance Holdings LLC
Consumers have filed 12 complaints about First Reliance since 2014, 1 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is improper use of your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 12
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #418 of 566
Since October 2014
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Mar 23, 2026
Most complained-about credit bureaus & report companies
First Reliance complaints by month
The busiest month was October 2014 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How First Reliance answered all time
- Closed with explanation18.3%
- Closed18.3%
- Untimely response1083.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What First Reliance complaints are about
Top First Reliance problems
Inside "Trouble during payment process"
- Trying to communicate with the company to fix an issue while managing or servicing your loan 1
Where First Reliance complaints come from
Most complaints: South Carolina (6), Tennessee (2), Connecticut (1), Texas (1), Georgia (1).
First Reliance compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | First RelianceCredit reporting | - | 1 | - |
Compare side by side: First Reliance vs Apple Financing · First Reliance vs Nav Technologies · First Reliance vs Opportunity Fund · First Reliance vs Heritage Financial Group
What people say about First Reliance
All experiencesNo experiences with First Reliance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest First Reliance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 23, 2026 | Credit reporting | Improper use of your reportReport provided to employer without your written authorization | No timely reply |
| Aug 4, 2025 | Bank accounts | Problem caused by your funds being lowOverdrafts and overdraft fees | No timely reply |
| Dec 9, 2024 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | No timely reply |
| Feb 3, 2024 | Bank accounts | Closing an accountCompany closed your account | No timely reply |
| Feb 8, 2022 | Mortgages | Struggling to pay mortgage | No timely reply |
| Apr 15, 2021 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | No timely reply |
| Sep 1, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | No timely reply |
| Sep 6, 2019 | Bank accounts | Problem caused by your funds being lowOverdrafts and overdraft fees | No timely reply |
| Sep 11, 2018 | Mortgages | Trouble during payment process | No timely reply |
| Feb 25, 2015 | Debt collection | Communication tacticsUsed obscene/profane/abusive language | No timely reply |
| Nov 23, 2014 | Payday & personal loans | Can't contact lender | Closed |
| Oct 30, 2014 | Debt collection | Communication tacticsUsed obscene/profane/abusive language | Explained |
Questions about First Reliance
How many complaints does First Reliance have?
First Reliance has 12 complaints on record since October 2014, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does First Reliance respond to complaints?
Yes. First Reliance answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with First Reliance?
The most common problems are improper use of your report (1), trouble during payment process (2), problem caused by your funds being low (2).
Is First Reliance legit?
First Reliance is a real company with a public complaint record: consumers have complained about it 12 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is First Reliance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against First Reliance?
Complain to First Reliance 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 Reliance complaints come from?
Most come from South Carolina (6), Tennessee (2), Connecticut (1). 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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