Credit bureau · complaint record
American Finance complaints
Filed under American Finance LLC
Consumers have filed 65 complaints about American Finance since 2015, 23 of them in the last 12 months (+130% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is problem with a company's investigation into an existing problem.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 65
- Last 12 months
- 23
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #134 of 566
Since April 2015
+130% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 21, 2026
Most complained-about credit bureaus & report companies
American Finance complaints by month
The busiest month was August 2026 (4 complaints). Complaints in the last 12 months are up 130% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How American Finance answered all time
- Closed with monetary relief11.5%
- Closed with non-monetary relief23.1%
- Closed with explanation6295.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What American Finance complaints are about
Top American Finance problems
Inside "Problem with a company's investigation into an existing problem"
- Their investigation did not fix an error on your report 11
- Difficulty submitting a dispute or getting information about a dispute over the phone 1
Where American Finance complaints come from
Most complaints: Delaware (29), Florida (10), Maryland (10), South Carolina (2), Kentucky (2).
American Finance compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | American FinanceCredit reporting | - | 23 | - |
Compare side by side: American Finance vs Apple Financing · American Finance vs Nav Technologies · American Finance vs Opportunity Fund · American Finance vs Heritage Financial Group
What people say about American Finance
All experiencesNo experiences with American Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest American Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 7, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Oct 1, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 19, 2026 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | Explained |
| Aug 19, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Aug 19, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 15, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 1, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 11, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 6, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 3, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about American Finance
How many complaints does American Finance have?
American Finance has 65 complaints on record since April 2015, including 23 in the last 12 months and 1 in the last 30 days. That makes it number 1,010 of every company by complaints this year.
Does American Finance respond to complaints?
Yes. American Finance answered 100% 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.
What do people complain about most with American Finance?
The most common problems are problem with a company's investigation into an existing problem (12), incorrect information on your report (9), repossession (8).
Is American Finance legit?
American Finance is a real company with a public complaint record: consumers have complained about it 65 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is American Finance legit? for the signals, red flags and how to protect yourself.
Are complaints about American Finance going up or down?
Up. There were 23 complaints in the last 12 months against 10 in the 12 before (+130%). See every month.
How do I file a complaint against American Finance?
Complain to American Finance 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 Finance complaints come from?
Most come from Delaware (29), Florida (10), Maryland (10). 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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