Skip to content

FCC Finance (First Consumer Credit) Harassment

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

Are you being harassed by FCC Finance (First Consumer Credit)? Stop the harassment now and get money. Do it without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA).

The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and may not do while collecting a debt, as well as things they must do under law.

FCC Finance, LLC, also known as First Consumer Credit, is a Dallas-based debt collection agency founded in 1995. FCC Finance is a division of U.S. Home Systems, which focuses on home improvement and consumer finance industries. The company’s consumer finance division purchases installment obligations from remodeling contractors across the United States.

According to Public Access to Court Electronic Records (PACER), FCC Finance, LLC has been sued twice since 2011. The company has been accredited with the Better Business Bureau since 1999 and has a B rating with 20 complaints filed in the last 3 years.

Phone numbers associated with FCC Finance (First Consumer Credit):
214-488-3200

Mike Agruss Law, has helped thousands of consumers stop debt collection harassment. We would like to help you, too. Under the law, we can get the collector to stop harassing you, and get you money damages. Plus, the collector will be responsible for our attorney’s fees and costs. You won’t owe us a dime for our services. Contact us today. We look forward to speaking with you.

Submitted Comments

Nell
9 years ago
Hello I sent this email to a Mr. pedro. I am sending this information to you in case i may need you in the future. They sent a big sloppy men to my home at 8:00 in the morning and the man wanted me to let him in my home. This caused me to fearful and uneasy. Pedro Raposo Vice President FCC Finance, LLC Office: 800-825-1869 Ext. 587 Direct Dial: 214-488-3319 Fax: 214-488-3220 Email: [email protected] This email will serve as a written notice to cease from calling me and sending a strange sloppy men to my door and that man asking me to allow him into my home and watch me make a call. I am making a complaints with FCC about how FCC Consumer LLC treat their consumers. (esp sending strange men to a women home early in the am). I could understand if I was 30,60, 90, or a 120 days later. I start receiving harassment calls on my job, home and cells after being late 10 days. If some some strange reason I have another crisis or situation come up and I am late more than 10-12 days with your company and start receiving harassment call and threat . The man from Home Depot stated you all was a good company when I starting changing my mind about following through on this loan with your company after reading several complaints about your company online. I should have followed that alert. I have attached a copy of this email to home depot, my attorney and the man that sold me this line of cramp about FCC being a good company.
Magruss
9 years ago
Hi Nell, I'm sorry to hear First Consumer Credit, or FCC Finance, is giving you such a hard time. You did the right thing by sending a written cease and desist letter to First Consumer Credit (FCC Finance). Filing a complaint with the FCC will also help protect consumers in the future from going through what you went through with First Consumer Credit (FCC Finance). I will contact you so we can discuss your rights under the Fair Debt Collection Practices Act. I've settled thousands of consumer rights' cases and I would like to help you, too. Thanks, Mike.
Mike Shaw
7 years ago
I cannot send the above, it says my email does not exists but believe me it does... Pedro, our main associate. His collection associate calling my wife at work with their threatening words and unprofessional comments about discussing our debt with somebody else other than us. Everyone at her job knows. this is turning into predatory lending. Which is one of the reasons we haven't talked to FCC. whomever this lady is threatening, demeaning, also speaking to people that are not on the loan, discussing the matter. 10/11/16 FCC used old paperwork we signed to obtain information for the credit application and used it to get info from her current job. Actually interesting how they re-used a credit app sheet. In any case, I now see the fraudulent use of our signatures out of content with 10 year old paperwork. Our 10year + "loan" was a second mortgage on a house that just foreclosed in Garfield Hts, oh where FCC was contacted on the foreclosing case to have their interest in the property or monies owed. During the recent foreclosure they forfeited any attempt to contact the courts for their portion of money from the sale of the foreclosure with Wells Fargo. This has been tormenting and embarrassing my wife at work and could threaten her job from the every day phone calls. Complaint from another consumer on the BBB website from 9/11/16: "The company makes harassing and threatening phone calls demanding I pay, stating "we know where you work & we going to get our money" The company makes harassing and threatening phone calls demanding I pay, stating "we know where you work & we going to get our money" I stated I am willing to make a payment arrangement however the lady stated several times, you gonna make it with me and it doesn't matter who else you speak to. I told her do to her rude tone and behavior I wanted to speak to someone else and she refused and stated that I took this as a joke, however I never stated that." These are the SAME comments this lady says to my wife!!!! Please help!!!
Aida
6 years ago
I had a call from Ms. Wilkin today Harassing me telling how once receive my taxes that I need to be up to date with my acoount. If not she will close the case and Have my house in foreclosure because currently have a lean due to the 2 two payments I am behind. She was very nasty telling me that she will have my wages garnish and all.
Angela
6 years ago
FCC financed our siding and our house was foreclosed on back in 2009, and there was supposed to be a lean on the property. The bank has since sold our old house and the new owners tore it down. We were not aware that we needed to do anything with FCC as we thought as a lean holder they would have been advised. We have been paying the payment since as they told us that there was nothing they could do when we explained what is listed previously and that we must pay them the money we owe!
Aida
5 years ago
I am Harassment by FCC this company called me telling me that they will garnish my wages and put my house on foreclosure. Well that I am behind two payments and they are harassing me. I have letting them know of my financial situation and they threaten me all the time!
Deborah
4 years ago
I'm 69 y.o. female.Loan w/FCC for Refacing Cabinets w/HomeDepot. First due last month. I actually thought i had paid it, even earlier. On Feb 21, Received a call & realized i must not have made Payment on Due date.(Was due 20th). Young lady was nice, polite when we spoke. I asked 'when' would it be considered 'late'. She stated 28th i believe. I assured her i probobly would be making payment By/before then. She was respectful & nice. Stated i may be receiving another call or 2 Before then & i said 'o.k., & Again apologized. I continued to get calls., Telling each i the same thing., & asking if they did not have the previous callers' notes. They were rude...& stated Until payment was received, i WOULD be getting More Calls. Then on Wednesday Feb 26th....(After i stopped answering the phone calls, i Found a Short 'You Need to Call Me'Letter from A Collections manager taped to my Front door! As i Had Already Answered & ReStated my response more than once~ I Did Not Call them. I have serious health issues & Do Not need yo be stressed out AS that will definitely adversely affect me. This is the 27th, & I can call & give them their payment today~ BUT....i want to know if i can stop these Unbelievable Unprofessional Tactics. One morning , a Call came In @ 7:00 a.m.! I AM Sick & THIS Company Is Nothing like I've EVER dealt with before. Please Advise. My cabinet job was @ a cost of $10,000.00.~ BUT..i Never would have gotten it Had i Known What a predatory Company i would be dealing with. I got the cheapest styles they offered & likely was Overcharged. However...NEVER would i have dealt with HoneDepot Had i Known THIS was the type of Company ....i would be dealing with. THANK YOU. i had a sleepless(dangerous, for me), Night. I am in bed, Not even up yet @ 7...& Afraid to turn on my phone, Due to this Company. Please Help me. Thank you
Teresa
1 year ago
My sister and brother in law used me as a reference for windows purchase for their home years ago. Now they are behind in payments and this company keeps calling me I told them to stop that I don’t have any updated info but they call once every few weeks. Do i have any rights to make them stop ?
Anna
1 year ago
got home improvement loan with Amerifirst back in 2016, had financial problems ( due to my husband\'s spine surgery) and account was charged off back in 2019... got a letter last week from FCC FINANCE LLC.. im assuming prior company sold this account to collection agency. Not sure how to proceed . My credit already damaged. Please advice .how can you help me . thank you

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

Form successfully submitted!