FirstCredit, Inc. (FCI) is an Akron, Ohio collection agency that recovers bad debt for hospitals and health systems, working with RevCare RCM under the FCI RevCare name. Contact from FCI almost always concerns an unpaid hospital or medical bill.
- Type
- Collection agency
- Also known as
- FCI; FCI RevCare
- Headquarters
- Akron, OH
- Collects
- hospital and medical bills
- Phone numbers it lists
- (800) 837-3328
- Website
- improvefinancialhealth.com
29 debt collection complaints were sent to the Consumer Financial Protection Bureau about FirstCredit, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is FirstCredit, Inc.?
FirstCredit, Inc., which goes by FCI, is a collection agency headquartered at 3250 W. Market Street, Suite 304, Akron, Ohio 44333, according to its BBB business profile. The BBB lists a business start date of 1986, incorporation in December 1995, and Timothy D. Sheeler as President and CEO. Today FCI appears online as "FCI RevCare": the website describes RevCare RCM, Inc. as a revenue-cycle management company and FirstCredit as its "bad debt partner," and the footer reads "FirstCredit, Inc./RevCare Inc." The site lists NMLS #1516963 and a general inquiry line of (800) 837-3328, and it states that FirstCredit is a debt collector.
Why FirstCredit May Be Contacting You
FCI works for hospitals and health systems. Its website describes self-pay follow-up, medical bad-debt recovery, eligibility and advocacy services, and work on denied insurance claims, and it says it connects with hospital billing systems such as Epic, Cerner and Meditech. If FCI contacts you, a hospital has most likely sent it a balance after its own billing efforts ended. Because RevCare also handles earlier-stage patient billing, ask early on whether you're dealing with the hospital's billing office or with FirstCredit as a collector; the answer affects which rules apply.
How to Check a Debt FirstCredit Says You Owe
- Get the validation notice. It should name the hospital, the date the balance was itemized and every charge, payment and credit since (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Get the itemized hospital bill. Texas facilities must provide one before pursuing collection (SB 490). Match it against your insurer's explanation of benefits.
- Dispute in writing within the validation period if insurance should have paid, you were billed twice, or a charity-care application was pending.
- Ask about financial assistance. Nonprofit hospitals must have a written financial assistance policy, and some accept applications after a bill reaches collections.
- Note the date of service. Most Texas debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004); a debt buyer can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Ohio and other states have their own limits.
What FirstCredit Can and Can't Do
Collecting hospital accounts placed with it after default makes FCI a "debt collector" under 15 U.S.C. § 1692a(6). On medical debts in particular:
- It may not share details of your treatment or bill with your employer or relatives, beyond limited location requests (15 U.S.C. § 1692c(b)).
- Paid medical collections and medical collections under $500 no longer appear on credit reports from the three national bureaus (details), and a collector can't report a debt before trying to contact you (12 C.F.R. § 1006.30(a)).
- It may not add interest or fees the hospital agreement doesn't allow (15 U.S.C. § 1692f(1)).
- It is presumed to violate Reg F if it calls more than seven times in seven days about one bill (12 C.F.R. § 1006.14(b)(2)).
See also whether you can be sued over medical bills in Texas. We did not find a CFPB enforcement action against FirstCredit.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If FirstCredit, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- FCI RevCare: home page
- FCI RevCare: About
- BBB business profile: FirstCredit, Inc. (address, dates and alternate name only)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: FirstCredit, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that FirstCredit, Inc. has violated any law. Company details change; tell us if something here is out of date.