Complaints

This profile includes complaints for American Financial Network Inc's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  American Financial Network Inc

  10 Pointe Dr Ste 330 Brea, CA 92821-7620

• 

  American Financial Network Inc

  875 W Ashlan Ave Ste 103 Clovis, CA 93612-4742

• 

  American Financial Network Inc

  15707 Rockfield Blvd Ste 150 Irvine, CA 92618-2850

• 

  American Financial Network Inc

  19800 MacArthur Blvd # 323 Irvine, CA 92612-2421

• 

  American Financial Network Inc

  2922 E Chapman Ave #201 A & G Orange, CA 92869

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/17/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **** **** [*************************************************************************] of American Financial Network, ****** Boca Raton, **, who we were trying to work with expressed great unprofessionalism. **** *. called me a "cunt" on a phone call, lied that it was his assistant, then on a separate phone call on 04/17/25 discriminated against me saying that I was "a young girl" and I "didn't know about 'this'", only assuming that 'this' is the work that I do for my employer. **** *. is incredibly unprofessional and disrespectful and should be reconsidered in this company and investigated as he is going against ****. By **** **** calling me a "cunt," refers to me as a "young girl," is considered as Sexual harassment or sex-based discrimination (using a gendered slur). Age discrimination (especially treating me as less competent because I "sound" young). Unfair lending practices (as **** is making it harder for me to get financing or services based on my identity). Going against Equal Credit Opportunity Act (ECOA) which prohibits discrimination in lending based on sex/gender and age. Since **** harassed me based on my gender and age, thats a violation.

  Business Response

  Date: 04/18/2025

  Dear ****** *********, AFN takes complaints of this nature very seriously and sympathizes with any distress or frustration this experience may have caused you. AFN will investigate this matter thoroughly and ensure that the necessary steps are taken to properly address it. Unfortunately, this is not the proper venue to file complaints of this nature. As such AFN will reach out to you personally following its investigation should it be appropriate. Sincerely, **** *******
  

• Initial Complaint

  Date:04/12/2025

  Type:Sales and Advertising Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  American Finance Network was fully aware of me being in a financial deficit causing my monthly payment to fall behind they refused to put a temporary halt on further enforcement to my credit report. Reporting late payments while I was waiting for assistance from the company and still making monthly payments and while being on a trial period for the partial claim. The company has negativity impacted my credit with these late payments its deliberate and in *********. Especially when they were aware of my situation. The late payment should be removed

• Initial Complaint

  Date:03/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. *******/SB - ************* - $235,718 AMERFIN/SB - ************* - $234,627 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 03/26/2025

  Dear ***** *******,
  
  American Financial Network, **** (AFN)has received your complaint and sympathizes with any frustration you may have experienced related to your credit report. AFN is treating your complaint as a formal notice of error and therefore in keeping with the Consumer Financial ***************** regulations will, after conducting a thorough investigation, provide a comprehensive and timely response more securely by sending it directly to you as the Better Business Bureau is not the appropriate forum for handling regulatory matters or to be transmitting the kind of information you requested.
  
  Sincerely,
  
  **** *******

• Initial Complaint

  Date:09/04/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The purpose of this letter is to report Fraud and Deceptive Mortgage Practices utilized by Landmark Mortgage Planners a Division of American Financial Network (AFN) in obtaining a VA Loan [Loan ID # ***********]. Irrefutable material evidence shows the lender claiming points on Federal Forms (VA *******, Item 14, $7,323.75) and no points were paid.

• Initial Complaint

  Date:09/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am posting here as I am seeking a resolution to an account set up miscommunication with this company resulting in a delinquency reporting on my credit. I have mailed a letter as well as spoken with an agent to have the calls reviewed. After setting up my account and making the initial payments, I continued to receive emails instructing me to set up an account. When I called for assistance on June 4, 2024, I was assured by an agent that there were no outstanding issues with my account. I received another account setup email on June 6, 2024. Upon noticing additional correspondence, I reached out again but was not informed about the necessity of adding a second loan to my account. On July 22, 2024, after receiving a letter about late payments, I contacted customer service again. The agent informed me that I was behind on payments and needed to add the additional loan to my account. Following his instructions, I noted how to create a new account, only to be told by the manager, whom I requested to speak to after working with the agent, that this was incorrect. I was then guided by him to add the second loan through the settings tab.On July 22, 2024 The manager I was forwarded to acknowledged the communication issues and noted that previous calls were not logged in my file, despite my multiple attempts to clarify my account status. Following this call, I received an account setup email for loan in question, which I had not previously received. The forwarding of this email was not discussed or requested in the conversation with the manager.On August 23, 2024 after speaking to a representative in the **************************** I learned that the manager whom I spoke to, is not a manager, instead in leadership. On July 22, 2024, I requested to speak to a manager.On August 23, 2024, taking care of another request, I discovered communications were being mailed to the wrong address although I have updated my address upon setting up my account.

  Business Response

  Date: 10/08/2024

  Dear consumer, upon receipt of your complaint, American Financial Network, Inc. ("AFN") conducted a thorough review of the loan file and determined that you have two loans, both of which were originated March 7, 2024 with a first payment of May 1, 2024. The loans transferred to the AFN's current sub-servicing office on March 15, 2024. You made all payments on one of the loans from origination through present; however, when no payments were made on the other loan, AFN sent you notices and made multiple calls and left voicemails in an attempt to cure the delinquency. You did not return the calls until July 22, 2024. When you spoke with AFN, you advised us that the mailing address we had on file was not correct and AFN updated the address. You made the May, June, and July 2024 payments on July 31, 2024. Regarding the credit reporting, per the terms of the Promissory Note and under the Fair Credit Reporting Act (FCRA), AFN is required to report accurately, and as the May and June 2024 payments were past due, the reporting is correct and cannot be changed. If you have any questions or need further information regarding this complaint, please contact the American Financial Network Customer Care Center at 1-844-685-1793 from 8 am to 9 pm ET, Monday through Friday, and Saturday 8 am to 12 pm ET, excluding major holidays, or message us at afncorp.servicingdivision.com/MSG. 

• Initial Complaint

  Date:08/19/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We used ******* ******** as our mortgage broker for a closing June 2019. At closing, he promised to refund us money that was ours and never did. We contacted him several times through phone, text, email and he wouldn't answer.

  Business Response

  Date: 09/18/2024

  Dear consumer, we investigated what American Financial Network, **** ("AFN") is able to for this matter. We did not find the loan at issue in our records. At the time the loan closed in June 2019, the person identified in your complaint was not an AFN employee. We determined that your loan would have been with a different lender. You would need to seek a resolution with them. We emailed you information on the most likely lender. Please understand there are legal rules that are probably applicable here, such as those related to a different lender's confidential and proprietary documents. We wish you the best going forward. 

• Initial Complaint

  Date:08/17/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I reached out to this business because they are on the *** website for helping with *** loans and refinancing. When I spoke to the person assigned to me I specifically told him that I wanted a non credit qualifying refinance. The person then proceeded to tell me to fill out a loan application and ran my credit. He then told me my credit score was too low. He was not supposed hit my credit with the type of refinance I requested according to the ***. I want the hard inquiry on my credit removed.

  Business Response

  Date: 09/19/2024

  Dear consumer, **************************** ("AFN") conducted an investigation for this matter. Although we sympathize with any frustration you may have experienced, we did not find any improper conduct by AFN. You applied for a streamline refinance loan that required running a credit report. Your loan officer had written communications with you where it was made clear that this would be a requirement. The loan files also contain an authorization form indicating that you gave consent to the loan officer for your credit report to be obtained. We did not find any records where you objected to your credit being run for a report. Again, the loan officer would not have been able to assess your application without a report. He determined that based on your report, that you did not qualify. Regardless of the situation, we do appreciate that you applied for a loan at AFN, and we wish you the best going forward.  

• Initial Complaint

  Date:08/16/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have asked them to quit calling me and to remove my number. Now the same guy keeps calling me and using different names and *** asked him numerous of times to remove my number and stop calling and now this is harassment something needs to be done I keep blocking the numbers he is calling from and he is calling me from other numbers!!

  Business Response

  Date: 09/18/2024

  Dear consumer, American Financial Network, **** is able to confirm that you have been added to our do-not-contact lists. This should resolve the issues. Please note that our company has policies that prohibit all unwanted marketing by our personnel, including the type of conduct mentioned in your complaint. We sympathize with any frustration you may have experienced. If you continue to experience any issues, please feel free to contact us at ************, and ask for our legal department. Thank you for bringing this matter to our attention.   

  Customer Answer

  Date: 09/18/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***************************
  
   
  

• Initial Complaint

  Date:08/16/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently was in the market to purchase a condo in ************, **. My realtor went through AFN, as he had used them in the past, this being my first time purchasing a home. On July 1st, I had a consultation call with **** ***** from the ************ office, to get the process started. At first everything was going smoothly, but on the 21st of July, I was traveling to **. I had communicated this to ****** team, so they could get all the documents needed before I left **. Needless to say, they did not do their due diligence and because of that I had to leave my ******* 2 days early and travel to **, because PA did not have any ***************'s in the area. Once I got to CT, I sent all the paperwork to ******** and called to make sure nothing else was needed, and was told that everything was there. Later that day, I received a message about my Amex saving account documents needed and proof that it had come from my *** account. Needless to say the original loan closing date was moved, then the State of ******** declared a state of emergency, pushing the closing date again. The loan eventually did not go through, leaving a bad taste, and a negative view of your company. I had problems with the 2 loan personnel, ******** ******** and ******* *********. **** ***** was also suppose to call me on 8/15 to discuss her staff, but never called. I have all emails from the beginning of the process until 8/13. My concern is that there is a lack of experience, planning & execution and mismanagement in this office. I am extremely disappointed with the process and I don't think that my needs were met with ****** team.

  Business Response

  Date: 10/10/2024

  Dear consumer, **************************** ("AFN") sympathizes with any frustration you experienced during the loan application process.  As AFN previously notified you, the reason for the loan denial was the property (condo) was in HOA litigation and ultimately deemed too risky for funding. The realtors and HOA did not make the branch aware of any condo litigation for quite some time after you applied for the loan. The denial was not because of issues related to bank documents. Unfortunately, you are correct that towards the end of your loan application process, SC was declared a state of emergency due to a storm.  As to the bank documents, our understanding is that you did not have access to your banking information online while you were away from home on vacation. Also, it was discovered that you transferred certain monies to/from accounts, and the branch had advised you against doing so. Furthermore, you sent AFN screenshots for account balances instead of all pages to actual statement documents as required. Our personnel had no choice but to ask you multiple times for the actual statements. Regardless of the above, we will take your complaint as an opportunity to learn how to better serve customers and we believe that the issues you raised have been addressed. We thank you for applying for a loan at our company. 
  

  Customer Answer

  Date: 10/10/2024

  This company continues to make excuses for their failures. It took them over 30 days to get information back from the *** that a litigation was in process. Really? LIES LIES LIES

• Initial Complaint

  Date:07/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have two mortgages, American Financial and Freedom mortgage. This month, June, 2024, I tried paying my June payment on the 30th day (which fell on a Sunday). I go to Freedom mortgage, no problem. American Financial, no option to pay online. What! Im nervous because I never had this issue. I am fairly new to American Financial and never heard of the option to pay being blacked out on a Sunday. I tried calling, closed so I requested a call back on Monday at 8am because surely there is some mistake. I cant risk my credit reflecting late. Spoke to Pacya M. and get subordinate prior to her and they both informed me that even though we are given 30 days to pay, it doesnt include weekends. So basically we are not given 30 days! This is a lawsuit waiting to happen. So Im penalized because American Financial locks the option to pay on the weekends and the last day of the month just so happen to be on a weekend. Thats unheard of. I was never informed of this prior and now my credit is going to be messed up for years to come. Im switching this company first chance I get, which is probably never going to happen now because my credit will be messed up smh

  Business Response

  Date: 07/30/2024

  Dear consumer, American Financial Network, **** sympathizes with any frustration you may have experienced related to your June 2024 loan payment. Please be rest assured that although you were unable to make your payment online, your payment made on July 1, 2024 was not reported negatively to credit bureaus. We believe this resolves the matter and we thank you for your business.