This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 392 complaints

American First Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 36 states, reputation grade F.

Complaints by issue type

What consumers report about American First Finance, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record american-first-finance-inc American First Finance, Inc.

Grade F · 392 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #327 · compose #462

  • VOL 392
  • GRADE F
  • 12MO 92
  • STATES 36
  • TIMELY 99%
  • ISSUE Attempts to collect debt n…
  • RANK #327
  • COMPOSE #462

Volume peers

Nearest volume peer: Herbert P. Sears Co., Inc. (394 complaints)

American Profit Recovery, Inc., Marlborough, MA BranchAmerican Profit Recovery, In…386Financial Credit Network IncFinancial Credit Network Inc388Financial Recovery Services, Inc.Financial Recovery Services,…388American First Finance, Inc. (this)American First Finance, Inc.…392Herbert P. Sears Co., Inc.Herbert P. Sears Co., Inc.394
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

American First Finance, Inc.'s 392 CFPB complaints sit next to Herbert P. Sears Co., Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 392 complaints break down

Every complaint issue type on record for American First Finance, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
46.7/100
American First Finance, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
392
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

American First Finance, Inc. spreads filings across 36 states - Texas leads at only 14.3%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Texas still leads at 14.3% across 36 states
Seasonal peak
2025-12 9.4%
8–15% band · 12 filings
Corpus ranks
#327 volume
#462 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does American First Finance, Inc. compare to its peers?

How does American First Finance, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
American First Finance, Inc. National average
Complaints (last 12 mo)lower is better
92
106
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
0%
9%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy American First Finance, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97%98%99%100%101% 0%10%20%30% Timely response rate (%) Dispute rate (%) American First Finance, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Herbert P. Sears Co., Inc.Financial Credit Network IncFinancial Recovery Services, Inc.American Profit Recovery, Inc., Marlborough, MA BranchNational Collection Systems, Inc.Hunt & HenriquesUSCB CorporationThe Best Service Co.,Inc
Source: CFPB Consumer Complaint Database

American First Finance, Inc.'s complaint volume in context

American First Finance, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

392 Top 6% higher than 94% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. American First Finance, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2024-03 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
187
False statements or representation
68
Took or threatened to take negative or legal action
64
Written notification about debt
42
Communication tactics
26
Electronic communications
4
Threatened to contact someone or share information improperly
1

Where do complaints against American First Finance, Inc. come from?

American First Finance, Inc.'s own per-state count, not a national baseline.

Top states by complaints against American First Finance, Inc.

Across 36 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American First Finance, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 392.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.1891891891892%.

4 peers

Know your rights before responding to American First Finance, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.