What is the most common complaint against American First Finance, Inc.?

The most common issue consumers report about American First Finance, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 392 complaints filed with the CFPB.

Are complaints against American First Finance, Inc. increasing or decreasing?

Complaints against American First Finance, Inc. have been stable. The company received 92 complaints in the last 12 months.

What is American First Finance, Inc.'s reputation grade?

American First Finance, Inc. has a reputation grade of F (score: 46.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American First Finance, Inc. respond to consumer complaints?

American First Finance, Inc. has a 99% timely response rate to CFPB complaints.

In how many states does American First Finance, Inc. operate?

American First Finance, Inc. has received CFPB complaints from consumers in 36 states, with the most complaints from Texas (56 complaints).

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

American First Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 36 states, reputation grade F.

Compiled by PlainCollector

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

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 #4424

VOL 392
GRADE F
12MO 92
STATES 36
TIMELY 99%
ISSUE Attempts to collect debt n…
RANK #327
COMPOSE #4,424

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, American First Finance, Inc. still sits volume #327 against composite #4,424 - the two RankMaps diverge by 4,097 places. 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
Divergent corpus ranks: #327 volume; #4,424 composite; Cleanest-composite ladder is 4,097 places worse than volume

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… National average

Complaints (last 12 mo)lower is better

106

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

56
Florida

37
California

33
Georgia

31
South Carolina

26
Pennsylvania

24
Arizona

20
Illinois

20

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.