Auto lender · complaint record
America First Federal Credit Union complaints
Consumers have filed 967 complaints about America First Federal Credit Union since 2019, 245 of them in the last 12 months (+40% on the year before). It answered 91.4% on time and closed 0% with relief for the customer - less often than a typical auto lender. The most common problem is incorrect information on your report. It is the 11th most complained-about of 193 auto lenders this year.
Poor response record. How it works
- Complaints on record
- 967
- Last 12 months
- 245
- Answered on time
- 91.4%
- Closed with relief
- 0%
- Last 30 days
- 12
- Rank
- #11 of 193
Since April 2019
+40% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Oct 29, 2026
Most complained-about auto lenders
America First Federal Credit Union complaints by month
The busiest month was January 2021 (48 complaints). Complaints in the last 12 months are up 40% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How America First Federal Credit Union answered last 12 months
- Closed with explanation21989.4%
- In progress2610.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time6/4591.4% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+40% vs last year
What America First Federal Credit Union complaints are about
Top America First Federal Credit Union problems last 12 months
Inside "Incorrect information on your report"
- Account status incorrect 65
- Account information incorrect 44
- Information belongs to someone else 34
- Old information reappears or never goes away 3
- Public record information inaccurate 2
- Information is missing that should be on the report 1
Where America First Federal Credit Union complaints come from
Most complaints: Utah (388), Nevada (260), Arizona (115), California (56), Texas (15).
America First Federal Credit Union compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Stellantis Financial Services USAuto loans & leases | 90 | 426 | A |
| 2 | Byrider FranchisingAuto loans & leases | 55 | 316 | C |
| 3 | Veros CreditAuto loans & leases | 51 | 255 | C |
| 4 | America First Federal Credit UnionAuto loans & leases | 12 | 245 | F |
| 5 | Carvana GroupAuto loans & leases | 56 | 240 | C |
| 6 | Americas Car-MartAuto loans & leases | 43 | 226 | D |
| 7 | LendbuzzAuto loans & leases | 45 | 220 | D |
| 8 | TeslaAuto loans & leases | 9 | 201 | F |
Compare side by side: America First Federal Credit Union vs Stellantis Financial Services US · America First Federal Credit Union vs Byrider Franchising · America First Federal Credit Union vs Veros Credit · America First Federal Credit Union vs Carvana Group
What people say about America First Federal Credit Union
All experiencesNo experiences with America First Federal Credit Union yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest America First Federal Credit Union complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 29, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | In progress |
| Oct 28, 2026 | Bank accounts | Problem caused by your funds being lowLate or other fees | In progress |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | In progress |
| Oct 24, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | In progress |
| Oct 24, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | In progress |
| Oct 23, 2026 | Bank accounts | Managing an accountProblem accessing account | In progress |
| Oct 23, 2026 | Mortgages | Incorrect information on your reportAccount information incorrect | In progress |
| Oct 22, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | In progress |
| Oct 20, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | In progress |
| Oct 20, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 19, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | In progress |
| Oct 19, 2026 | Bank accounts | Incorrect information on your reportAccount information incorrect | In progress |
Questions about America First Federal Credit Union
How many complaints does America First Federal Credit Union have?
America First Federal Credit Union has 967 complaints on record since April 2019, including 245 in the last 12 months and 12 in the last 30 days. That makes it number 296 of every company by complaints this year.
Does America First Federal Credit Union respond to complaints?
Yes. America First Federal Credit Union answered 91.4% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 12/100 (grade F).
What do people complain about most with America First Federal Credit Union?
The most common problems are incorrect information on your report (149), managing an account (203), managing the loan or lease (98).
Is America First Federal Credit Union legit?
America First Federal Credit Union is a real company with a public complaint record: consumers have complained about it 967 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is America First Federal Credit Union legit? for the signals, red flags and how to protect yourself.
Are complaints about America First Federal Credit Union going up or down?
Up. There were 245 complaints in the last 12 months against 175 in the 12 before (+40%). See every month.
How do I file a complaint against America First Federal Credit Union?
Complain to America First Federal Credit Union in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most America First Federal Credit Union complaints come from?
Most come from Utah (388), Nevada (260), Arizona (115). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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