Debt collector · complaint record
American 1st Rate Mortgage complaints
Filed under American 1st Rate Mortgage, LLC
Consumers have filed 6 complaints about American 1st Rate Mortgage since 2016, 4 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 6
- Last 12 months
- 4
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,016 of 1,963
Since February 2016
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: May 2, 2026
Most complained-about debt collectors
American 1st Rate Mortgage complaints by month
The busiest month was March 2026 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How American 1st Rate Mortgage answered all time
- Closed with explanation116.7%
- Untimely response583.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What American 1st Rate Mortgage complaints are about
Top American 1st Rate Mortgage problems
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 3
Where American 1st Rate Mortgage complaints come from
Most complaints: Michigan (2), Georgia (2), New Mexico (1), Colorado (1).
American 1st Rate Mortgage compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | American 1st Rate MortgageDebt collection | - | 4 | - |
Compare side by side: American 1st Rate Mortgage vs Green Square · American 1st Rate Mortgage vs EMoneyUSA · American 1st Rate Mortgage vs Mullooly Jeffrey Rooney & Flynn · American 1st Rate Mortgage vs Credit World Services
What people say about American 1st Rate Mortgage
All experiencesNo experiences with American 1st Rate Mortgage yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest American 1st Rate Mortgage complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Mar 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Mar 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Feb 3, 2023 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Feb 5, 2016 | Mortgages | Application, originator, mortgage broker | Explained |
Questions about American 1st Rate Mortgage
How many complaints does American 1st Rate Mortgage have?
American 1st Rate Mortgage has 6 complaints on record since February 2016, including 4 in the last 12 months and 0 in the last 30 days. That makes it number 2,028 of every company by complaints this year.
Does American 1st Rate Mortgage respond to complaints?
Yes. American 1st Rate Mortgage answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with American 1st Rate Mortgage?
The most common problems are took or threatened to take negative or legal action (3), attempts to collect debt not owed (1), incorrect information on your report (1).
Is American 1st Rate Mortgage legit?
American 1st Rate Mortgage is a real company with a public complaint record: consumers have complained about it 6 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is American 1st Rate Mortgage legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against American 1st Rate Mortgage?
Complain to American 1st Rate Mortgage 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 American 1st Rate Mortgage complaints come from?
Most come from Michigan (2), Georgia (2), New Mexico (1). 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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