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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

    • 634 total complaints in the last 3 years.
    • 137 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:11/14/2024

      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.
      On November 7, 2024, I signed a contract with American First Finance (AFF), arranged by a local tire shop, to finance four tires. The merchant assured me of a 4-month same-as-cash option. We agreed to a price of $1,650 (including tax) plus a $40 application fee. I intended to pay $1,600 within 4 months, leaving $50 and the fee due at purchase.The contract listed bi-weekly payments of $114.23, and $1,650 total for early buyout. While sales tax was mentioned, it implied this was included, with no other repayment total.On November 13, 2024, I received an email stating my first payment would be $123.65, and my early buyout amount was $1,849.99figures not in the contract. I contacted *** and spoke to ****** *********, who was dismissive. He claimed the contract explicitly stated these amounts. I referenced screenshots of the signed contract showing $114.23 payments with no mention of higher amounts or fees. ****** sent me a copy of the contract, which appeared altered.****** explained the higher payment included $9.42 in additional sales tax per payment. I pointed out that the contract listed $114.23 under the signature line, with no mention of taxes. He admitted the $1,849.99 repayment amount wasnt in the contract and mentioned a $59 early buyout fee.I escalated to Bethanee in Customer Advocacy, who was equally dismissive. She blamed the merchant for misinformation and said payment details were available via email and the portal, which I hadnt had access to before signing. She dismissed my concerns and refused acknowledge my concerns.This feels like a bait-and-switch. **** contract listed $1,650 as the total yet billed higher payments and undisclosed fees. The bi-weekly payment increased, and the $59 buyout fee and $1,849.99 total were never disclosed.I urge the BBB to investigate AFF for deceptive practices, poor customer service, and misleading documentation. Customers deserve transparency and fair treatment.

      Business Response

      Date: 11/25/2024

      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:11/13/2024

      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.
      AMER FST FIN Account number: ************ Balance: $0.00 Dispute inaccurate items on my credit report I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

      Business Response

      Date: 11/22/2024

      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:11/07/2024

      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 went online and it said the buy out was $330 dollars and I paid that amount. Then they also.took a payment for that month as well. So I had the payment reversed because the buy out did not say $330 plus a additional payment not with a payment. Then I revoked their right to.account. now they took out a another payment after the rights were revoked. They now say I owe them 474 and will settle $148 after I already paid the buyout and never told me that the buy out was the payment plus buyout price. Said agents wouldn't know that. Now some how they have no copies of my chat history. The supervisor was rude and demanding me to pay $148 for a account that should be settled. If they agents didn't know that is how it works how would I . Plus they still went in my account.

      Customer Answer

      Date: 11/08/2024

      This my chat

      Business Response

      Date: 11/20/2024

      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:11/05/2024

      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 , ***** ***** attempted to pay off bracelet at the 90 day mark by calling in as I did with two payments prior . I was quoted a pay off quote on Oct. 1st on which I paid and and received a receipt for pay off. The quote that was given to me was incorrect and an attempt to take out $****** was attempted without my knowledge and that had never been previously done when I called in to make payments . Ive never was notified that I owed more to satisfy the debt that I tried to pay off to avoid additional fees! Instead 30 days later an attempt to take out more money and additional fees of $ ******* plus has been added to my account! This is wrong and deceitful as I attempted the pay off and have the receipt . Im willing to pay the $ ****** payment to close my acct like I initially tried to do when I called in to make the pay in full amount .

      Business Response

      Date: 11/18/2024

      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: 11/19/2024

      I have reviewed the business response and accept this resolution that Im no longer in contractual agreement and that all monies are paid,  further releasing me for any future attempts at drafting payments or re- opening account .
    • Initial Complaint

      Date:11/04/2024

      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 have been paying this ENTITY on line with a debit card, but when I asked for a paper [ BILL STATEMENT ] to be mailed by placing a recorded call which I informed them the ENTITY that the call was being recorded. The ENTITY replied to me, that they do not OPERATE by sending out [ BILL STATEMENTS ]. THIS IS A VIOLATION OF MY RIGHTS!

      Business Response

      Date: 11/15/2024

      *****, 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. 

      Customer Answer

      Date: 11/16/2024

      I am rejecting this response because:   Violations of My CONSUMER RIGHTS were Violated in this so said contract that under an Factitous ENTITY my signature was used to pay this ENTITY monies. I would like this ENTITY to Validate this contract.

       

      15 USC 1692

      15 USC 6801

      15 USC 6803

      15 USC 1681 (c) 2

      Also this ENTITY refuses to send my BILL STATEMENT through the mail. They want to force Consumers to use their customer portal. VIOLATION 1

      Customer Answer

      Date: 11/16/2024

      VIOLATIONS

      12 CFR 1026.13

      15 USC 1638

      15 USC 1640 RELIEF

      I AM THE CREDITOR

    • Initial Complaint

      Date:11/04/2024

      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 am checking my credit report and see that your company is showing up. I have solve this already even already got a refund from your company do to someone using my identity i never did business with you and at this point i will never do business with your company i am asking for this to be remove from my credit report and for your company to remove all of my information from your systems since i didn't give consent for your company to have it

      Business Response

      Date: 11/15/2024

      ******* 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. 

      Customer Answer

      Date: 11/16/2024

      I have reviewed the business response and accept this resolution. 
    • Initial Complaint

      Date:11/02/2024

      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 reached out to several supervisor about settling my account in the amount of 1800. The company is price gouging and charge triple the amount of interest on the furniture. My account has gone back in forth between a collections agency, who has sent it back American First Finance to resolve the account. I would like to settle the account and have my credit report updated properly and not as a charge off when payments are being made.

      Business Response

      Date: 11/14/2024

      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:10/15/2024

      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.
      When we first made contact to ask questions to finalize the agreement, we advised the amount pulled every 2 weeks wouldn't satisfy the "pay in full" balance. The *** told us not to worry, to contact them at the beginning of October to request a 30 day extension. That wouldn't be a problem, we would pay it off by end of November 2024. We contacted the company October 2nd, just to be told they would no longer extend the 30 days to us, that its now only 7 days which put us to 10/14/24. They escalated our complaint to which they called and gave us the same line of 7 days. They told us to call back on 10/14/24, the last day to pay the balance in full and the system would generate a new offer for payoff. We call 10/14/24 just to be told the new offer would be a charge over $8000 in addition to the balance and we had 30 days to pay it off! We did our due diligence in contacting them and paying on time in accordance with the agreement. Now you want to offer me a settlement to pay over $8000+ and give me 30 days? I gave them a different card # to pay off the balance and they wouldn't accept it because its not my bank card. Who cares how I pay the balance in full, they are getting their money! They never told us we had to use a bank card, we only went this route to avoid using our CC but now they wont even accept that! This is their way of scamming people for astronomical percentages and money. The are a rip off and should honor what they tell their customers!!

      Business Response

      Date: 10/25/2024

      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:10/15/2024

      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.
      Took out a loan to get vehicle fixed. I had 90 days to pay off loan with no interest. I paid my made 3 payments total. The last payment was on 9/17/24 in the amount of $717.62 which was the early payoff amount. The loan was paid off on 9/17/24. The company is still taking auto payments out of my account saying that I still owe them. I called and asked them to refund my money because the loan is paid off. The *** representative was rude and stated that I still owe them money and they will continue to take the money. This seems like a scam. I ua e proof from my bank statements that the loan is paid off.

      Customer Answer

      Date: 10/15/2024

      Proof final payment was made. They are scammers. Trying to take advantage of poor people. They should not be taking anymore money out of my account and the account should be closed because its paid off. 

      Customer Answer

      Date: 10/15/2024

      Now, theyre sending me an email saying that I currently owe them over $1200. What kind of scam is this?

      Business Response

      Date: 10/28/2024

      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:10/14/2024

      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.
      Im not liable for this debt with American First Finance, I dont have a contract with American First Finance, They did not send me a original contract as requested

      Business Response

      Date: 10/24/2024

      ******, 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. 

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