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

Data updated July 2026

F

Grade F · 49.6/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: American First Finance, Inc. ranks ahead of 14% of the 5,283 collectors PlainCollector grades - 86% keep a cleaner CFPB record, on 392 all-time complaints and a 99% timely-response rate.

14th pct
reputation rank of 5,283 graded collectors
392
CFPB complaints, all-time
99%
answered inside the CFPB window
92
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about American First Finance, Inc.?

American First Finance, Inc. has accumulated 392 total CFPB complaints across 36 states, with 92 filed in the most recent 12 months against 300 historical complaints before that window. The trailing-12-month volume represents 23.5% 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". The company posts a 99% timely-response rate.

Complaints have been recorded across 36 states, led by Texas with 56 and Florida with 37. Normalized against the full CFPB collector database, the reputation score of 49.6/100 places American First Finance, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

392

mid-volume (CCDB)

Last 12 months

92

23.5% of all-time complaints

Stable →

States active

36

multi-region footprint

Timely response rate

99%

excellent band

Reputation grade

F

49.6/100 composite

How does American First Finance, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

50 Bottom 14% higher than 14% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

American First Finance, Inc. versus the debt-collection vertical average.

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?

How does American First Finance, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
American First Finance… 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.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if American First Finance, Inc. contacts you

A grade of F signals how American First Finance, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really American First Finance, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how American First Finance, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 49.6/100), 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).

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

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.