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

  PO Box 565848 Dallas, TX 75356-5848

• 

  American First Finance

  10466 Redwood Ave Fontana, CA 92337

• 

  American First Finance, LLC

  3100 Olympus Blvd Ste. 300 Coppell, TX 75019

• 

  American First Finance, Inc.

  3515 N Ridge Rd # 200 Wichita, KS 67205

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:04/03/2023

  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 purchased furniture through ******** First Finance. As long the loan was paid off in 90 days there would be no interest. They jacked the price up immensely before the 90 days was up. I stopped making payments until they assured me this would be taken care of and I would pay the original amount. They set up payment plan to catch up on the payments. The took double of the amount authorized not once but twice over drawing my checking account and never brought down the amount due to the original price as promised. I filed a complaint on the BBB. I received one of the automated "please call us so we can work this out" message on the BBB website. So I called once again. They offered me a settlement. If paid in 30 days my debt would be cleared and no more harassing phone calls or texts. I have received phone calls, texts and emails every day since this agreement. The 30 days is not up but I am being threatening with "your account it about to be charged off". So if you get their automated message on here saying call us and we will work it out don't bother. At this point I have no choice but to let them write it off or take me to court because they do not work with you to get the matter resolved.

  Business Response

  Date: 04/18/2023

  ****, 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. 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:03/30/2023

  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 have a closed account on my credit report with FinWise also known as American First Finance, Its reporting that I have two missed payments and I don't and its also showing a high balance of $474 which is inaccurate. I have paid off the balance in full of $1,194.29 I've made my last payment on Pay Off Date 01/02/2022

  Business Response

  Date: 04/13/2023

  ******, 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. 

  Business Response

  Date: 07/10/2023

  Good ****************,
  
  Can you take a look at this case, the customers rebuttal is the same complaint as the original complaint and also her previous rebuttal. In our response, we confirmed that the reporting of the account is accurate. We also respond to her rebuttal confirming the reporting was accurate and that we must report accurate information at all times. I feel we have provided her all the required information pertaining to her request. Thanks
  
  *******************************

• Initial Complaint

  Date:03/30/2023

  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 keep receiving information from this company but I have never opened an account here. I also recently saw this account on my credit reports. It is obvious that someone has opened this account fraudulently in my name. I have never filled out an application with this company or received any funds.

  Business Response

  Date: 04/13/2023

  ******, 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. 

  Customer Answer

  Date: 04/15/2023

  I am rejecting this response because:   This is not the first time I have contacted this company to alert them of fraud and nothing happened. I think I know who used my credentials to open this account as I have been taken advantage of before in this way. I cannot prove who did it. However, I know that I did not open it nor receive any funds from this company. I will submit the identity theft report. 

  Business Response

  Date: 04/25/2023

  Good ****************,
  
  May I have you take a look at this case; the customers rebuttal is the same complaint as the original complaint. In our response, we confirmed that both accounts were investigated for fraud and deemed non valid and also confirmed both accounts were being reported accurately. Documentation was provided within our response confirming our findings . In the rebuttal the customer mentions filling out the Identity Theft Affidavit and once we receive it, we can review the account once more but until then there isn't much more we can do.  Thanks 
  
  *******************************
  Customer Advocacy Specialist
  

  
  

• Initial Complaint

  Date:03/29/2023

  Type:Sales and Advertising 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'm purchasing a 2 TVs total price of around $1100 I was told to pay $205 for 12 months but now some how I owe $3300. Way too much and not what was told to me in the store

  Business Response

  Date: 04/10/2023

  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:03/21/2023

  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.

  The account that was opened was paid off and closed. I'll check my credit report and it's showing a hard inquiry. This should not be still on my credit report. This account was closed.

  Business Response

  Date: 04/11/2023

  ******, 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:03/19/2023

  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.

  Around February 20th I opened up this account for car repair services. My first payment was due on March 2nd. Unaware that the payment was coming out automatically I made the payment with my debit card of *****. Once I realized another payment was taken and it did not reflect the balance I called and talked with ****** on 3/15 he assured me the payment wouldn't be taken until 3/30, it came out anyway. I want my account to be credited for the extra payment that was taken and my balance to reflect it!

  Business Response

  Date: 04/07/2023

  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:03/13/2023

  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 went to ***************** in ************ on 2/16 the phone never worked and the workers actually approved the loan through email confirmation. I took phone back to store on 2/17 because I saw the contract and it was not what i was told and also the phone never switched over properly. I was told to contact American Finance which i did and they will not allow me to return the phone. They would like me to pay over 400 for a phone that never worked then donate it in order to get it out of my name instead of simply accepting the phone back and sending it back to the store. Crazy thing is the store told me to just keep the phone because it was nothing american finance could do since I didn't approve the contract nor the amount that they have been trying to charge me. They want over **** for a iphone 13 and its not even a new phone. I have been in constant contact with them. They are a rip off and I believe them and the store are both in it together and are s******* people out of money through their lies and manipulation. I want the phone out of my name ands I do not want to pay for something that I tried to return less than 15 hours later.

  Business Response

  Date: 03/29/2023

  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. 

  Customer Answer

  Date: 03/29/2023

  I never entered into an agreement because I never clicked a link.  The people at the store clicked the link and had the phone and entered into an agreement that I would have never agreed too.  I initially took the phone back to the store on the 17th and tried every day after that.  I called and talked to someone at that location prior to the 28th so where you are getting that date from is incorrect.  I called your location the following monday on 20th and proceeded to continue to call and try to talk with you guys.  I explained what happened - and how I couldn't have gotten in an agreement.  I currently live in *********** and it was not even me who took the phone into the store so its no way I was able to sign an agreement or agree to anything.  And when I called the store to see why they had approved it he said I can always send it back or just keep it and not pay for it since it was nothing the store could do.  I would not have agreed to paying almost 60 dollars a week when I am a college student with no income.  When I spoke to the people at the store they said ***** a month and a 50 dollar phone bill so it would have been around 100 a month which is what my parents currently pay for my phone bill.  There is no way I would agree to that let alone sign it because I am not stupid enough to agree to something I know I can  not pay.  

  I feel that you and the store are in on this together - you enjoy trying to hurt peoples credit and think I would pay over ********************************************************************** This company is a fraud and the stores that use them are too.  

   

  Customer Answer

  Date: 03/29/2023

  And the email you sent an agreement to is not my email so I am not sure who gave that email address because the people at the store never asked me for that information.  They asked for my DL number to see if I would get approved not to actually go through with it.  The phone was never activated and not used at all because when i  asked them for the contract they said I would have to call you guys and that ya'll closed early then you guys were closed due to a holiday or something.  I continued to call you guys - so if I actually signed up for a phone wouldn't I give them my correct email address - the same email address I have had since I Was 14 and the only email address I have.  Why would I give a correct social security number and a fake email address if I was truly there and signed up for a phone.  I would definitely want to know what I would be paying and how I would be paying for it.  

  Customer Answer

  Date: 04/04/2023

  I am rejecting this response because:   

  I never entered into an agreement because I never clicked a link.  The people at the store clicked the link and had the phone and entered into an agreement that I would have never agreed too.  I initially took the phone back to the store on the 17th and tried every day after that.  I called and talked to someone at that location prior to the 28th so where you are getting that date from is incorrect.  I called your location the following monday on 20th and proceeded to continue to call and try to talk with you guys.  I explained what happened - and how I couldn't have gotten in an agreement.  I currently live in *********** and it was not even me who took the phone into the store so its no way I was able to sign an agreement or agree to anything.  And when I called the store to see why they had approved it he said I can always send it back or just keep it and not pay for it since it was nothing the store could do.  I would not have agreed to paying almost 60 dollars a week when I am a college student with no income.  When I spoke to the people at the store they said ***** a month and a 50 dollar phone bill so it would have been around 100 a month which is what my parents currently pay for my phone bill.  There is no way I would agree to that let alone sign it because I am not stupid enough to agree to something I know I can  not pay.  

  I feel that you and the store are in on this together - you enjoy trying to hurt peoples credit and think I would pay over ********************************************************************** This company is a fraud and the stores that use them are too.  

  And the email you sent an agreement to is not my email so I am not sure who gave that email address because the people at the store never asked me for that information.  They asked for my DL number to see if I would get approved not to actually go through with it.  The phone was never activated and not used at all because when i  asked them for the contract they said I would have to call you guys and that ya'll closed early then you guys were closed due to a holiday or something.  I continued to call you guys - so if I actually signed up for a phone wouldn't I give them my correct email address - the same email address I have had since I Was 14 and the only email address I have.  Why would I give a correct social security number and a fake email address if I was truly there and signed up for a phone.  I would definitely want to know what I would be paying and how I would be paying for it.  

  Business Response

  Date: 04/17/2023

  Good ****************,
  
  Regarding the below customer within our initial response we explained the next steps in order to get the account closed was for the customer to donate the merchandise and provide receipt of the donation. The customer has not provided proof the merchandise was returned or donated as we requested therefore there would be nothing more we can do until the customer follows the instructions for the returns process. Thanks 
  

  
  

• Initial Complaint

  Date:03/12/2023

  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.

  In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. Account name: ********************. Account # -****** has violated my consumer rights. _____________________________________________________________________ 15 U.S.C **** section 602 A. States I have the right to privacy. _____________________________________________________________________ 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. _____________________________________________________________________ 15 U.S.C ****c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. _____________________________________________________________________ 15 U.S.C. ****s-2 (A)(1) 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. 15 U.S.C **** (B) (2) Not state that such consumer owes any debt. _____________________________________________________________________ 15 U.S.C **** (D) (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

  Customer Answer

  Date: 03/17/2023

  ***Document Attached***
  
  See Attachment/File: american first finance letter

  Business Response

  Date: 03/29/2023

  ***********, 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.

  Customer Answer

  Date: 03/29/2023

  I am rejecting this response because:   the data this debt collector is furnishing on my credit report is inaccurate and would like both accounts removed from my credit report immediately.

  Business Response

  Date: 04/28/2023

  Good *****************,
  
  Can you take a look at this case; the customers rebuttal is the same complaint as the original complaint. In our response, we confirmed the tradeline was submitted for deletion on both accounts and to allow ***** days for this action to be updated. We are still within frame so there would be nothing more we can do. Thanks
  
  *******************************
  Customer Advocacy Specialist
  

  
  

• Initial Complaint

  Date:03/09/2023

  Type:Product 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.

  I made an online order for furniture that was already sold out, and was cancelled but they are still charging me. They are giving me a hard time I have called several times and sent them an email with screen shots. This company takes money for products I don't have. Please help.

  Business Response

  Date: 03/23/2023

  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.
  See Attachment/File: BBB Response - *********************************** Account ************ Case ********.pdf

  Customer Answer

  Date: 03/25/2023

  They have reimbursed me Thanks

  Customer Answer

  Date: 04/04/2023

  I have reviewed the business response and accept this resolution. They have reimbursed me Thanks

• Initial Complaint

  Date:03/08/2023

  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've already expressed my concerns about the $1,642.00 balance in this unverified account, ****************. I sought to call credit bureaus to verify the validity of their inquiry. I ran into issues that neither **************** nor credit rating organizations could fix. As a result, I've decided to enlist your help in removing this bogus and unverified account.

  Business Response

  Date: 03/23/2023

  *******, 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.
  See Attachment/File: Agreement