CFPB · Narrative-heavy record
America’s Financial Choice, Inc.
4 CFPB complaints · 50% with narratives · top issue Charged fees or interest I didn't expect.
America’s Financial Choice, Inc.: 50% of 4 filings include consumer narratives. Timely 50% · relief 25% · top product Payday loan, title loan, or personal loan. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2015 to 2022
CFPB relief outcome brief
CCDB company america-s-financial-choice-inc
25% relief · 50% timely · 4 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: Kilowatt Financial, LLC, a Spruce Finance Company (23.1% relief)
America’s Financial Choice, Inc. closes 25% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
America’s Financial Choice, Inc. complaint mix by product
- Payday loan, 2 50.0% – 50% relief
- Payday loan 1 25.0% – 0% relief
- Money transfer, 1 25.0% – 0% relief
How America’s Financial Choice, Inc.'s 4 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 2 |
| Payday loan | 1 |
| Money transfer, virtual currency, or money service | 1 |
Concentrated filing states for America’s Financial Choice, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- IL
- 75% of this company's filings
America’s Financial Choice, Inc. complaints by year
Annual filing volume from the CFPB public database
- 2022
- 1
- 0% vs 2015
Top States
| State | Complaints |
|---|---|
| IL | 3 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest I didn't expect | 1 |
| Received a loan you didn't apply for | 1 |
| Loan payment wasn't credited to your account | 1 |
| Other transaction problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 0% |
| 2019 | 1 | 100% |
| 2020 | 1 | 100% |
| 2022 | 1 | 0% |
Source: CFPB Consumer Complaint Database
America’s Financial Choice, Inc.'s narrative-rich complaint ledger
America’s Financial Choice, Inc.'s 4 logged complaints stay concentrated: only 2 states show a filing. 50% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2022-04-15.
America’s Financial Choice, Inc. answers 50% of complaints inside the CFPB's tracked window and closes 50% with a written explanation. 25% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, or personal loan" draws the most filings, most often for "Charged fees or interest I didn't expect."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about America’s Financial Choice, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for America’s Financial Choice, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 4.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 50%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for America’s Financial Choice, Inc. (50% timely; 25% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record