Total CFPB complaints
370
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 370 complaints
American First Finance, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 36 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American First Finance, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
181 complaints
- False statements or representation 65
False statements or representation
65 complaints
- Took or threatened to take negative or legal action 45
Took or threatened to take negative or legal action
45 complaints
- Written notification about debt 41
Written notification about debt
41 complaints
- Communication tactics 17
Communication tactics
17 complaints
F
Grade F · 49.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about American First Finance, Inc.?
American First Finance, Inc. has accumulated 370 total CFPB complaints across 36 states, with 79 filed in the most recent 12 months against 291 historical complaints before that window. The trailing-12-month volume represents 21.4% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 36 states, led by Texas with 52 and Florida with 38, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.6/100 places American First Finance, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
79
21.4% of total history
Stable →
States active
36
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Reputation grade
F
49.6/100 composite
Response-quality profile
How American First Finance, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 64.3%
Share of US states + territories with at least one filed complaint against this collector.
How does American First Finance, Inc. compare to its peers?
American First Finance… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed181 (%)
False statements or representation65 (%)
Took or threatened to take negative or legal action45 (%)
Written notification about debt41 (%)
Communication tactics17 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 74 |
| Attempts to collect debt not owed | Debt was result of identity theft | 73 |
| False statements or representation | Attempted to collect wrong amount | 65 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 45 |
| Attempts to collect debt not owed | Debt was paid | 25 |
| Written notification about debt | Didn't receive enough information to verify debt | 22 |
| Communication tactics | Frequent or repeated calls | 17 |
| Written notification about debt | Didn't receive notice of right to dispute | 11 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 9 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 8 |
Where do complaints against American First Finance, Inc. come from?
The states where consumers have filed the most CFPB complaints against American First Finance, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American First Finance, Inc.
Across 36 states with at least one filing
- Texas
Texas
52 complaints
- Florida
Florida
38 complaints
- California
California
33 complaints
- Georgia
Georgia
31 complaints
- South Carolina
South Carolina
26 complaints
- Pennsylvania
Pennsylvania
21 complaints
- Arizona 17
Arizona
17 complaints
- Illinois 16
Illinois
16 complaints
Frequently Asked Questions
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 370 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 79 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: 49.6/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (52 complaints).
What can I do if American First Finance, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If American First Finance, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |