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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

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

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    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:08/26/2022

      Type:Customer Service 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.
      Hello ,
      I want to complain about predatory lending practices orchestrated by first American finance . I purchased furniture and was told that I had 3 months to pay it off with no interest . However I have since come to find out that I was not being charged interest but instead being charged a "leasing fee" which basically means that out of my biweekly payments of $116 only about $10 is actually applied to my purchase . There is no way to even see the transaction ledger on my account in order to understand what is happening and when I called to find out how to pay this off early I was told it would be a settlement and that this would damage my credit score . I believe that this is absolutely predatory! I was under the impression I would be charged interest after 3 months but at no time was it explained that I would be leasing my furniture after paying on it for 90 days . This is robbery

      Business Response

      Date: 11/10/2022

      Business Response /* (1000, 5, 2022/09/12) */
      Hi, ********, we are sorry to hear that you are dissatisfied with our payment solution. We would like to turn this negative experience into a positive experience. We really do want to help. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email.


      Consumer Response /* (3000, 7, 2022/09/13) */
      (The consumer indicated he/she DID NOT accept the response from the business.)
      The business contact me via phone and questioned me as if I was being interrogated then tried to twist my words . They made no attempt to alleviate my concerns or help me in any way whatsoever. The woman was very rude and unkind ti me as if she was a debt collector which is unacceptable especially since I have never had a late payment on my account and have paid 116. Biweekly since April only to see I that my balance has barley moved an inch . This is predatory lending plain and simple possibly some type of loan padding . It should be illegal to do this to people . I should be given an additional 90 days to pay this off now that I fully understand the true terms .


      Business Response /* (4000, 9, 2022/09/22) */
      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:08/16/2022

      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.
      Good afternoon. I paid on Monday at 8-15-22 for $80.00. I noticed today that the payment did not post to my account. Today 8/16/22, I made another payment for $80.00, and the payment is not applying to the account, so the account is 25 days past due. So when I reached out to the company about this, they said that no payments had not been made.

      Business Response

      Date: 10/26/2022

      Business Response /* (1000, 5, 2022/08/31) */
      ******, 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:08/12/2022

      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 have paid all of the amount that I've narrowed plus more . They have charged 3x-5x more then than I narrowed . It didn't even show me I was gonna pay that amount they told me a whole different amount . Now I'm being charged and over exaggerating amount of money . They just basically lie to people and bribe them into barrowing

      Business Response

      Date: 10/12/2022

      Business Response /* (1000, 5, 2022/08/25) */
      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:08/08/2022

      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 applied for a loan to buy furniture at American Freight and was approved twice, go figure. Once for $2400 and the 2nd time for $1200. I had products lined up and was reading over the contract and couldn't see paying the very high interest and rates for 12 months. I went back to my cart and deleted the items. Five minutes later I get an email thanking me for my down payment of $53.50...and there is no contract signed electronically or in person. They can sign it electronically themselves and possibly get away with fraud, but not with this guy. I received an email saying this; "
      Advance Payment Confirmation
      ******,
      Thank you for your RTO First Payment on account *-***037-7 with card ending in 6836. Details of the transaction are listed below. Please reference your Confirmation Number when you contact us.
      Confirmation Number
      XXXXXXXXXX
      Payment Amount
      $53.50
      Payment Date
      08/07/2022
      Estimated Delivery Date
      08/08/2022

      Please note that your account is a Lease-to-Own product. Your account and contract are with American First Finance. You may terminate your contract at any time after the Minimal Initial Term by returning your merchandise to the store where it was purchased or by processing a return with us. For store return policy details, please contact the store. A copy of your contract was emailed to you when you completed the signing of the documents. For all questions concerning your account, please contact American First Finance through one of the methods indicated in this email.". There was never a contract sent. This is just outright theft and with the high interest rates, why do they need to steal? Thank you for your help. The following is from my bank showing that the money was taken. Of course, I could have made it up, but Huntington Bank has dealt with crooks before and provide proof of the theft. Thank you... 08/08/2022
      www.amerfirstfinpaymen XXX-XXXXXXX TX XXXXXXXXXXXX6836
      Debit Card -$53.50 pending
      My email complaint to them is uploaded.

      Business Response

      Date: 10/12/2022

      Business Response /* (1000, 5, 2022/08/23) */
      ******, 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:07/27/2022

      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.
      Predatory finance charges and they want let me return the merchandise to get out the lease agreement they are predatory and needs to be stoped.

      Business Response

      Date: 09/07/2022

      Business Response /* (1000, 5, 2022/07/29) */
      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.

    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.

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