We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Financing

American First Finance, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financing.

Complaints

This profile includes complaints for American First Finance, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

American First Finance, LLC has 4 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 633 total complaints in the last 3 years.
    • 136 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/21/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.AMER FST FIN - **************** Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 03/31/2025

      Thanks for being a valued customer, ******. We appreciate the opportunity to address this matter as your satisfaction is very important to us. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email.

    • Initial Complaint

      Date:03/13/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Says I owe I debt of 3,034$. If they confirm I owe thiit needs to be deleted immediately or I will get attorneys involved with 1 week from March *******.

      Business Response

      Date: 03/26/2025

      Thank you for your feedback, Kentarius. We appreciate the opportunity to address this matter as your satisfaction is very important to us. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:03/13/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I noticed that on my credit report there is a loan from American First Finance for $4,353 dollars that does not belong to me. I have contacted all 3 bureaus to take off my credit report and this company keeps reporting that it belongs to me when it doesn't. This account was opened on 11/23/2023 with someone with a FL address i believe, I have never lived in **. I called American First Finance and they do not want to give me an answer or help me in anyway or resolve this problem causing me to have issues trying to get a loan to buy a house. I have filled a police report and want this account of my credit report. I have attached the police report

      Business Response

      Date: 03/21/2025

      ********, thank you for bringing this to our attention. Your feedback helps us do better. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

      Customer Answer

      Date: 03/21/2025

      I have reviewed the business response and accept this resolution. 

      Customer Answer

      Date: 05/07/2025

      The resolution has not been made. This account is still showing on my credit report after the 30 days they said it will take.

      Business Response

      Date: 05/16/2025

      ********, thank you for bringing this to our attention. Your feedback helps us do better. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:03/05/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ******** FIN. I do not have a contract with ******** FIN. They did not provide me with the original contract as I requested.

      Business Response

      Date: 03/17/2025

      *****, thank you for bringing this to our attention. Your feedback helps us do better. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:03/04/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 3/3/25 I call American First Finance. I Spoke on a recorded line about my account. I was being overcharged and wanted to know why. The employee told me I had a balance $26.23. I said why was it trying to charge me another ****** on 3/4/25 he said pay the 26 and the account will close. I paid ******* dollars when I was suppose to pay $800.00. I don't know if they are doing this to other clients?

      Business Response

      Date: 03/19/2025

      Thanks for being a valued customer, *******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

      Customer Answer

      Date: 03/20/2025

      I am still getting harassed by this company and they are still trying to charge me even though this account has been closed and I paid my balance. There are two recorded calls from them. I want this company investigated. They also have my bank account info. 

      Customer Answer

      Date: 03/20/2025

      I am rejecting this response because: I am still getting mail with more charges!

    • Initial Complaint

      Date:03/04/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I do not have an account with them, they have been taking money from my debit card and will not refund. They have acknowledged that I dont have an account. Have been dealing with them since 2/12/2025 they say my refund will be received in 1-3 days , when its not they change it to 7-10 days. Every time I call its a new story! They are stealing money from people and dont care to refund it. They tell u have to email their fraud department who does not reply!

      Business Response

      Date: 03/17/2025

      *********, thank you for bringing this to our attention. Your feedback helps us do better. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:03/02/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This is my 2ND Loan from them. 1100 loan to fix vehicle, didin't pay it within the 100 days had it down to ****** , I understand a 300 hick not paying it within the 100 days. Went back up to ******. Since then I have made 4 payments from my checking acct. It has gone up to now I owe ******. Which by law making payments it should go down not up. my bill should be only ****** as of today on their website I owe them now ******. I have autopay payments every 2 weeks. Bank statement to prove of payment. Plus, the confirmation emails showing payment and it going up not down. Each payment being *****. The website only sees manage autopay. nothing more.

      Business Response

      Date: 03/14/2025

      *******, thank you for sharing your insights with us. Its hard for us to hear that you had a negative experience, as we strive to do our best to provide our customers with the best support possible. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:02/28/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I want it deleted

      Business Response

      Date: 03/13/2025

      ******, thank you for bringing this to our attention. Your feedback helps us do better. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:02/28/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Setup to two different time for payments to be withdrawn out of my account to avoid getting charged double for not paying off on time it took out the first two payments and and didnt attempt to take out other payment arrangements to avoid paying on time spoke with ********* said they took out a couple payments with the other date that was set up. They never attempted to take it out now theyre trying to double charge me for the product. which is the reason why I said payments up so I would be able to pay them off on time so I dont get charged double

      Business Response

      Date: 03/14/2025

      Thanks for being a valued customer, ******* We would appreciate the opportunity to address this matter as your satisfaction is very important to us. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:02/28/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I purchased a furniture set from American freight, and was recommended to use American First Finance to make payments. On 2/26/2025 I requested my final payment amount to pay the remaining balance off which was $731.12. I paid the remaining balance and received confirmation that the account was paid and there was a $0 balance. On 2/27/2025 a payment in the amount of $73.34 was charged against the balance. I called the company today, 2/28/2025 and was given the excuse the payment had been due and was already pending. I have evidence of my balance being $0 on the 26th when I made the pay off payment. So they should have never taken money out of my account after.

      Business Response

      Date: 03/13/2025

      *****, thank you for sharing your insights with us. Its hard for us to hear that you had a negative experience, as we strive to do our best to provide our customers with the best support possible. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    American First Finance, LLC is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.