CFPB · Higher closed-with-relief share
American First Finance, Inc.
1.4K CFPB complaints · 33.7% relief (high band) · top issue Incorrect information on your report.
American First Finance, Inc. closes 33.7% with relief (upper third) on 1.4K filings. Timely 99.1% · top product Debt collection. Allegations, not findings.
- Higher closed-with-relief share
- +2550% filings 2015 to 2026
CFPB relief outcome brief
CCDB company american-first-finance-inc
33.7% relief · 99.1% timely · 1.4K filings · Debt collection
Same-product relief peers
Nearest relief peer: Revenue Enterprises, LLC (33.9% relief)
American First Finance, Inc. closes 33.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
American First Finance, Inc. scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (37/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
33.7% of complaints closed with relief to the consumer
Timely response
98 / 100 percentile-benchmarked
99.1% of complaints answered inside the CFPB 15-day window
Closed with explanation
37 / 100 percentile-benchmarked
65.8% of complaints closed with an explanation to the consumer
Most of American First Finance, Inc.'s 1.4K filings include narrative text
46.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
American First Finance, Inc. complaint mix by product
- Debt collection 391 29.4% – 29% relief
- Credit reporting, 304 22.8% – 23% relief
- Credit reporting 263 19.8% – 33% relief
- Payday loan, 202 15.2% – 45% relief
- Payday loan, 134 10.1% – 57% relief
- Credit card 22 1.7% – 55% relief
- Credit card 15 1.1% – 27% relief
Lighter-volume mix: how American First Finance, Inc.'s 1.4K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 391 |
| Credit reporting, credit repair services, or other personal consumer reports | 304 |
| Credit reporting or other personal consumer reports | 263 |
| Payday loan, title loan, or personal loan | 202 |
| Payday loan, title loan, personal loan, or advance loan | 134 |
| Credit card | 22 |
| Credit card or prepaid card | 15 |
| Consumer Loan | 15 |
| Vehicle loan or lease | 13 |
| Checking or savings account | 11 |
| Debt or credit management | 4 |
| Mortgage | 1 |
Nationwide filing states for American First Finance, Inc.
Top states by attributed volume, lighter-filing company
- Leading state
- TX
- 12% of this company's filings
American First Finance, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 106
- +2550% vs 2015
Volume vs. relief
Where American First Finance, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, American First Finance, Inc. files more complaint volume than 17% of them, and closes complaints with relief more often than 92% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,375 · Closed with relief: 33.7%
Top States
| State | Complaints |
|---|---|
| TX | 165 |
| FL | 151 |
| GA | 123 |
| CA | 123 |
| PA | 97 |
| IL | 75 |
| SC | 59 |
| MI | 46 |
| AZ | 45 |
| NC | 42 |
| NY | 37 |
| WA | 31 |
| VA | 31 |
| NV | 31 |
| MO | 30 |
| WI | 30 |
| OH | 27 |
| TN | 27 |
| AL | 23 |
| IN | 17 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 312 |
| Attempts to collect debt not owed | 187 |
| Charged fees or interest you didn't expect | 173 |
| Improper use of your report | 132 |
| Problem with a credit reporting company's investigation into an existing problem | 92 |
| False statements or representation | 68 |
| Took or threatened to take negative or legal action | 63 |
| Problem with a company's investigation into an existing problem | 55 |
| Problem with the payoff process at the end of the loan | 49 |
| Written notification about debt | 42 |
| Problem when making payments | 40 |
| Communication tactics | 26 |
| Getting the loan | 21 |
| Struggling to pay your loan | 13 |
| Getting a credit card | 9 |
| Fees or interest | 9 |
| Managing the loan or lease | 9 |
| Credit monitoring or identity theft protection services | 7 |
| Problem with additional add-on products or services | 7 |
| Problem with a lender or other company charging your account | 6 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 4 | 75% |
| 2016 | 8 | 75% |
| 2017 | 17 | 47.1% |
| 2018 | 36 | 97.2% |
| 2019 | 73 | 100% |
| 2020 | 93 | 100% |
| 2021 | 162 | 100% |
| 2022 | 178 | 100% |
| 2023 | 240 | 100% |
| 2024 | 235 | 100% |
| 2025 | 223 | 100% |
| 2026 | 106 | 100% |
Source: CFPB Consumer Complaint Database
American First Finance, Inc. in the higher-relief third
American First Finance, Inc.'s 1,375 logged complaints reach a nationwide footprint - 46 states have at least one filing. 46.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-06-25. Closed-with-relief 33.7% sits in the upper third of the corpus.
American First Finance, Inc. closes 33.7% with monetary or non-monetary relief and answers 99.1% inside the CFPB window; 65.8% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Incorrect information on your report."
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 American First Finance, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for American First Finance, 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: 1.4K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.1%.
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 American First Finance, Inc. (#283 of 342; 99.1% timely; 33.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Higher closed-with-relief share