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

  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:12/06/2024

  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 had purchased 2 pair of glasses for ******* optical in ******* GA for $855.78. I was asked by the store's salesperson, if I wanted to go with American First Finance: My Agreement Number: *********** to pay for the glasses and how it was easy and how I would pay it back weekly until it was paid in full. She never told me about any leasing fees. So, I signed up, given the fact that I didn't have all the cash on hand at that time. That was on July 2, 2024, my 1st payment started coming out on July 6 (Weekly) and now fast forward its December 1 and my balance as shown on their website is $795.14. The last I checked $38.32 weekly for 25 weeks=$958. (2 payments were unscheduled). However, $855.78 (purchase price) - $795.14 ("AFF website stated balance") = $60.64 would be all they claim I would have paid over a 4months and a week period. I saw this early buyout in my emails that tells me that my payment was received, I had paid, and I am believing that this "early buyout" was my balance that was steady going down. Mind you there is no place that show that the early buyout isn't the balance. How in the world can you pay off the balance if you don't know it. This is total predatory lending practices at its best.I was given this phone number in the chat ************** which when I call it didn't work.I was given another number to call, and I got a guy who tells my balance is over $900 conflicting with what their own website stated. Then tells me that he could offer me a buyback if I paid $327.71 to close the account. I took the buyout & was told that I would get an email stating the account is closed, I still have not received that email. And I was told the company could not provide me anything in paper. If I know what the goal is, and the company continues to move the goal post. How is that fair. I want $327.71 of my funds back. I would love if someone can get to the bottom of this, closed out my account and get my funds back. Thank you

  Business Response

  Date: 12/19/2024

  ******, 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:12/04/2024

  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 getting calls and emails from American First Finance, *********, phone number ************. This business sent me a contract which shows the name, address and signature that does not belong to me. The individual bought furniture at ******************* out of ******, *************************************** company is American First Finance.

  Business Response

  Date: 12/18/2024

  ********, 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:11/30/2024

  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 have had a loan with this company for almost 8 months on 24 November. I had a buyout of $$654 on the 25 November. I made a payment $354 plus they took my weekly payment out of $62. My new buyout is $515. I called. I asked for a detailed bill of how my $354 was paid to them and they sent me some mumbo-jumbo about me owing $1417 so you can make $412 payment or thereabouts 22 between the two payments and your buyout only goes down approximately $130. Where did the other $285 you can you can do a lot, but however is this $285 disappeared over half the payment wow what a company no wonder why conns plus went out of business with finance companys like this

  Business Response

  Date: 12/11/2024

  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:11/27/2024

  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.

  Under 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A)in general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall-i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

  Customer Answer

  Date: 12/03/2024

  I respectfully request that the matter be investigated and any record or charge related to this debt that may affect my credit history or financial situation be removed.

  
  

  I appreciate your prompt attention to this matter and look forward to a response confirming the resolution of the case.

  Business Response

  Date: 12/10/2024

  ******, 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:11/26/2024

  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 attempted to cancel a contract which was signed today, an amount of $1500 financed with Luxe Jewelers. The jeweler referred me back to American First Finance to cancel contract, would not cancel on their end. I attempted to explain to several American First ***** the amount, $1500, is a down payment on item, not full cost, which is actually $6500. When I attempted to explain this, which I believe is against their policy, *** referred to contract amount, $1500, which again, is not full cost of item. Contract was not cancelled to best of my knowledge. A fee in amount of $10.80 was charged which along with cancelation, needs to be refunded.

  Business Response

  Date: 12/09/2024

  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: 02/05/2025

  Consumer filed a new complaint:

  American First Finance has been debiting my account in the amount of $93.45 for several weeks now..This amount is a weekly payment towards a bracelet purchase made with SB Jewelers, amount of $2500 financed. The bracelet amount is around 4500 I believe, $2500 placed as down payment. I believe finance services used incorrectly, service is to be used for items paid in full, not as down payment. I do not have bracelet as it is being held by ***********. I've placed a stop payment on further debits from American First Finance and request contract canceled as I do not wish to use their service, due to high rate of interest

  Desired Resolution: cancel contract

  Business Response

  Date: 02/24/2025

  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:11/26/2024

  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.

  I ordered furniture from American Freight. I took off work to wait for the furniture, and I was told I would be given a delivery window. I never was. I cancelled the order. I don't have any of the merchandise in my possession. I have been waiting several weeks for a refund of my $54.88 initial charge and another charge of $55.22 that was taken from my account after I was told that it would not be. American First Finance keeps saying they haven't received communication from American Freight about the cancellation. I have attached the cancellation emails. I would like my refund.

  Business Response

  Date: 12/05/2024

  Hi, *****, were sorry to hear that your experience was not up to our standards. *** 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: 12/05/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:11/25/2024

  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 am being charged way too much by a finance company and they are robbing me at this point. Something needs to be done.

  Business Response

  Date: 12/09/2024

  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: 12/09/2024

  They sent me an email back stating they have closed my account and my balance is now zero. Just waiting for it to be removed from my credit. 

• Initial Complaint

  Date:11/25/2024

  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.

  On June 15th 2024, I purchased furniture from ***************. They promised 0% APR for the next 6 months. I was told that as long as i paid on time twice a month I would be done with the loan long before the 6 months was up. About 2 weeks ago ok what i thought was my last payment, i was informed by American first Finance that i had signed a lease to purchase contract and that my buyout is an additional $2900 on top of the $3200 that i already paid and agreed too!!! The $3200 included delivery and assembly. I escalated the case to the customer advocacy **** with ********************** and I was told they would close my account only if i paid taxes and an $300 over the taxes for an early buyout. I have spent hours on the phone with both companies and they have left me no choice but to report them. I agreed to $3200 including taxes, delivery and assembly. They want to gauge me for an additional $600 above what i agreed too and raising they payoff. I have contacted Cibao furniture on serval occasions requesting my original invoice and they refuse to provide one or the manager is never there. I need this resolved ASAP. American First Finance is also refusing to take my bank information off of their system and today i received a call stating that an additional $395 will be charged on the 28th of Nov. These people are criminals and thieves!

  Business Response

  Date: 12/09/2024

  Yovadys, 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:11/18/2024

  Type:Order 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.

  Rent to own tires and rims. I paid 400 a month and now because I didn't pay off early in November you want to add another ******* to my bill. I was only approved for a certain amount.

  Business Response

  Date: 11/26/2024

  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:11/16/2024

  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 the fullpurchase agreement contract for a washer and dryer in which I have PROOF i paid for a 3 yr warranty. AMERICAN FIRST FINANCE REFUSES to honor it because I bought my applliances out right no where in my contract does it say if I purchase the appliances that my warranty is voided .American finance claims I dont even have one because I paid it off and the contract is closed from the day I paid it off.This company is a ***** I paid this purchase off after the agreed time and they reported to my credit that I owed them ******** the day after I paid the purchase in full. And reported I wasnt paying on it which was total bs.(Which is only what you pay if you violate your contract.The contract says I can buy my appliances after a certain time in which I did I had to call and complain to the manager who sold me the appliances at the time and it took her over two months to get it fixed.)Reminder I have the contract from the original purchase date After being told I dont have warrantys by the company I threw a fit and told them to send me the contract they had Funny how the contract provided by them MATCHES MINE and says I purchase the warrantys They still deny I have warrantys for my items And now the story changed and I have to go back to the location i purchased them from., to find out what the problem is.THERES A GOING OUT OF BUSINESS SUGN OVER THE BUILDING AND LAST I NOTICED IT LOOKS EMTPY so now I need to waste my gas and return to the purchase location to talk to people (if anyone is even there) who guaranteed werent the people i purchased from 2 years ago and ask them about how i paid for a policy and its no where to be found.Seriously I want a full refund for my warranty purchase or they need to honor the warranty o purchase and fix my washer that died 3 months before my warranty ends Yeah we are only 3 months to the deadline so Im not surprised by any means that this company is trying to s**** me out of a warranty I have PROOF OF

  Business Response

  Date: 11/27/2024

  *********, 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.