Complaints

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

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

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  American First Finance, LLC

  PO Box 565848 Dallas, TX 75356-5848

• 

  American First Finance, LLC

  3100 Olympus Blvd Ste. 300 Coppell, TX 75019

• 

  American First Finance, Inc.

  3515 N Ridge Rd # 200 Wichita, KS 67205

• 

  American First Finance

  10466 Redwood Ave Fontana, CA 92337

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.

• Initial Complaint

  Date:04/28/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  ** November 2022, I received a table set. The table was damaged beyond repair when it arrived. Since November, I've been in communication with American First Finance. They finally offered me a replacement last month, which I declined. It took months to get an agreement. This bad customer service disgusts me. Not to mention that late payments for products that I was never able to sit at were recorded to my credit. I've filed numerous complaints, and the account has yet to be terminated and late payments deleted from my credit report. I intend to pursue legal action.

  Business Response

  Date: 05/11/2023

  Hi, *******, thank you for your feedback. We are sorry to hear that you are dissatisfied with our product. AFF 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:04/28/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 writing to file a complaint regarding the validation of a debt on my consumer credit report. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809(b) of the Fair Debt Collection Practices Act.As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.I demand that this item be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood.According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition, The *** Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.Account Number: ****************

  Business Response

  Date: 05/12/2023

  Thanks for being a valued customer, Lanbirth. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:04/26/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  My contact states that every Friday I pay the amount of $56.60. Attached is receipts from them as well as statements from my bank showing that from 04/14/2023 -04/22/23 they have withdrawn $333 from my account which is the equivalent of almost 6 weekly payments. I have been given the run around, hung up on and told yesterday that they would remove my account information only to wake up this morning to another charge. I have been charged atrocious amounts with no resolution other than to remove my card. I do not understand how they charge me this amount let alone step outside of contract guidelines. Attached is emails from them as well as bank statements

  Business Response

  Date: 05/10/2023

  Thanks for being a valued customer, *******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:04/26/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Had an agreement with American first finance we had a contract for one weekly payment of ***** I defaulted the account was supposedly sent to collections with radius global. I started noticing that American first finance was taking from my account, after it went to collections, upwards of five payments a day. Our original contract was one weekly payment. Them taking those payments than caused me to over draft and pay overdraft fees. Causing a financial hardship due to them taking more payments than agreed on plus all the overdraft fees.

  Business Response

  Date: 05/10/2023

  Thanks for being a valued customer, *******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:04/25/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 total predatory lending! I borrowed $1,000 about 12 months ago. It was a personal loan that I was not aware that didnt qualify for 101 days interest free? What the actual? I have paid $107 bi-monthly that equals: $2,568 and when I get on the website I still owe over *****?! What the actual? My debt has been paid my friend in full. Someone needs to contact me to settle this nonsense. I want this matter marked as paid in full.

  Business Response

  Date: 05/09/2023

  Thanks for being a valued customer, ******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:04/21/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  An account was opened under my name in June of 2020. No payment was ever received and the account charged off in September of 2022. This does not show on my credit reports when I view Credit Karma but apparently it shows when another company pulls my report. A representative from American First Finance advised me that no calls, email, or mail had been sent out in regards to this balance. The only correspondence they show is the two times I've called in to dispute the balance.

  Business Response

  Date: 05/05/2023

  ****, thank you for bringing this to our attention. Your feedback helps us do better. AFF 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:04/21/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Account #**************** I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.Please have the creditor provide the validation documents to the BBB as well as certified mail to me. Its extremely important that the creditor provide the documents to BBB to ensure fairness and that they are not brushing me off. Thank you for your assistance. If creditor cannot provide the requested payment history and documents, please have this account removed from my credit file. It was communicated to me to reach out to creditor to expedite the removal. As of the date of previous complaints, it has been over thirty days with no compliance to the Fair Credit Reporting Act (FCRA 15 U.S.C. ****) enacted by ***************** Congress. By their findings, it is now my legal right to have these accounts and inquiries (FCRA 15 U.S.C. ****n) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in ****************************. I further remind you that, as in ***************** Information Solutions, 993 *******. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

  Business Response

  Date: 05/05/2023

  Thanks for being a valued customer, ******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:04/18/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 11/14/2022 I signed a loan agreement with AFF for $1639 loan . I have documentation proving AFF has not properly allocated my payments to my account as agreed upon per our contract . I have stopped payments to AFF on all accounts. I had multiple accounts in the past with AFF that I successfully paid without a issue . Then,I watch this specific account balance NOT DECREASE by even .01 cent a month for 3 months straight!!! This loan balance affects my credit. Therefore I watch these things closely . Im upset to say the least I have talked with multiple representatives who try to make me think Im not understanding the process of how a high interest loan works . I do entirely!! I understand there was a specific agreement that held both partys responsible for a smooth transaction . One party failed . It wasnt me . I made my payments . I have all the documentation to back up this complaint . Per the breach of our agreement by American First Finance I will not pay another .01 to them . I will not pay them for taking advantage of a return customer and Robbing *********************** Blindly . Madness! Thanks BBB for sticking up for us .

  Business Response

  Date: 04/28/2023

  Thanks for being a valued customer, *******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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: 05/01/2023

  I have reviewed the business response and accept this resolution. They have reached out directly with customer advocacy and we have reached a mutual resolution. I appreciate the help of everyone and thank you for your time. BBB can close the complaint because I feel that American First is handling all communication with the issue very well at this point. 

• Initial Complaint

  Date:04/18/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 have been on the phone with American First Finance for over 2 hours trying to file complaints about my account. The ****************** customer representative hung up on me. The second time I called I asked to talk to a supervisor and she was laughing and getting upset with me on the phone so I asked if I could speak to her supervisor and she said why? So she transferred me to her supervisor **** who was giving me a hard time when I tried to tell them that when I used them to Finance at American Freight at the store they told me my payments would be from 8/26/22-12/6/22. American Freight lied and tried to Scam me or American First Finance scammed me I would like someone higher up from American First Finance to give me a call. I would preferably like to have someone call me who is higher than the call-center with her and so CEO ***, someone along those lines.

  Business Response

  Date: 04/28/2023

  Thanks for being a valued customer, ******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:04/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Tire place stated I would be able to pay the $1,200 with American First Finance. I never knew about the terms of the contract or the interest. Initially started in September 2022. To date I have paid $1,300 but when I asked for my balance they said I owe $2,492 remaining which would be 3x ($3,700) more then my initial loan. I did not agree to these terms and I was scammed. This is highway robbery. Also when I requested for my payment history due to all the made up fees, it appears only $15 was being applied weekly to my balance even though I was making $47 weekly payments. I have paid off the $1,200 plus $100 and they are trying to scam me for the remaining made up balance. Please help and stop the company for scams. Open account needs to be removed from my credit report. I have just read reviews and apparently this company is a known scammer.

  Business Response

  Date: 04/28/2023

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