Debt collector · complaint record
American First Finance complaints
Filed under American First Finance, Inc.
Consumers have filed 1,436 complaints about American First Finance since 2015, 204 of them in the last 12 months (-6% on the year before). It answered 100% on time and closed 32% with relief for the customer - more often than a typical debt collector. The most common problem is incorrect information on your report.
Strong response record. How it works
- Complaints on record
- 1,436
- Last 12 months
- 204
- Answered on time
- 100%
- Closed with relief
- 32%
- Last 30 days
- 11
- Rank
- #129 of 1,963
Since May 2015
-6% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 10, 2026
Most complained-about debt collectors
American First Finance complaints by month
The busiest month was May 2023 (29 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How American First Finance answered last 12 months
- Closed with monetary relief3014.7%
- Closed with non-monetary relief3617.6%
- Closed with explanation13867.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers27/4032.4% closed with relief
- Complaint trend11/15-6% vs last year
What American First Finance complaints are about
Top American First Finance problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 167
- Account information incorrect 77
- Account status incorrect 64
- Old information reappears or never goes away 11
- Information is missing that should be on the report 4
- Information is incorrect 3
Where American First Finance complaints come from
Most complaints: Texas (172), Florida (156), California (127), Georgia (124), Pennsylvania (106).
American First Finance compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Credit Collections U.S.ADebt collection | 10 | 211 | F |
| 2 | Kinum, Inc., Indianapolis, IN BranchDebt collection | 51 | 211 | C |
| 3 | Carter-YoungDebt collection | 49 | 205 | D |
| 4 | Zwicker & AssociatesDebt collection | 57 | 205 | C |
| 5 | American First FinanceDebt collection | 83 | 204 | A |
| 6 | Applied Data FinanceDebt collection | 48 | 196 | D |
| 7 | Credit Bureau AssociatesDebt collection | 6 | 196 | F |
| 8 | 2288984 OntarioDebt collection | 36 | 195 | D |
Compare side by side: American First Finance vs Credit Collections U.S.A · American First Finance vs Kinum, Inc., Indianapolis, IN Branch · American First Finance vs Carter-Young · American First Finance vs Zwicker & Associates
What people say about American First Finance
All experiencesNo experiences with American First Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest American First Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 9, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 6, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 6, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Nov 5, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 1, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Oct 20, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Fixed |
| Oct 15, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Questions about American First Finance
How many complaints does American First Finance have?
American First Finance has 1,436 complaints on record since May 2015, including 204 in the last 12 months and 11 in the last 30 days. That makes it number 328 of every company by complaints this year.
Does American First Finance respond to complaints?
Yes. American First Finance answered 100% of its complaints on time (within 15 days) and closed 32% with relief - money back or a fix; 14.7% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 83/100 (grade A).
What do people complain about most with American First Finance?
The most common problems are incorrect information on your report (327), took or threatened to take negative or legal action (66), charged fees or interest you didn't expect (182).
Is American First Finance legit?
American First Finance is a real company with a public complaint record: consumers have complained about it 1,436 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is American First Finance legit? for the signals, red flags and how to protect yourself.
Are complaints about American First Finance going up or down?
Roughly level. There were 204 complaints in the last 12 months against 216 in the 12 before (-6%). See every month.
How do I file a complaint against American First Finance?
Complain to American First 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 First Finance complaints come from?
Most come from Texas (172), Florida (156), California (127). 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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