We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Financing

American First Finance, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financing.

Complaints

This profile includes complaints for American First Finance, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

American First Finance, LLC has 10 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 668 total complaints in the last 3 years.
    • 163 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/21/2023

      Type:Service or Repair Issues
      Status:
      Resolved
      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 purchase a set of tires for ***** a have been paying all my payments by weekly they continue submitting early buy outs and the total amount continues to increase i still owed $2346.56 i have been paying for over some time and they continue to add this early buy out by the time i paid these off it would have cost me ***** for a set of tires these is unacceptable

      Business Response

      Date: 06/26/2023

      Thanks for being a valued customer, ****. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email.? 

      Customer Answer

      Date: 06/26/2023

      They have agree to close this account and show paid in full

    • Initial Complaint

      Date:06/15/2023

      Type:Service or Repair Issues
      Status:
      Resolved
      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 received an electronically signed copy of a credit/finance agreement from this creditor. I contacted them and asked what it was for and they advised tires. I told them I never applied for any loan and that this was fraud. They refused to listen to anything that I had to say even though I asked them can they tell me where these tires were delivered to for over $2700! I have filed a dispute through the credit bureau and filed a police report with my county for identity theft. I would like for them to show proof of delivery of these said tires. The phone number where they verified so called information is a number from ******** and I haven't lived there in over 8 years. They refused to show a copy of the driver's license used to obtain this loan or check stubs to verify payroll. I would like this taken out of my name and I need my credit report corrected. If you pull my credit report you will see that I've not had a past due account in over 5 years. This theft is affecting my credit score, it went down by over 110 points and is still declining. Police report is from Howard County ******** ***************** and the report number is *********.

      Business Response

      Date: 06/27/2023

      *******, thank you for bringing this to our attention. Your feedback helps us do better. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email

      Customer Answer

      Date: 06/27/2023

      I have reviewed the business response and accept this resolution. 

    • Initial Complaint

      Date:06/14/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 noticed I have been double charged weekly and tried to get ahold of customer service to resolve the issue. I am only supposed to be making one payment a week. It keeps saying they are closed when the customer service line on ****** says they are open. Several attempts have been made to contact them without any resolution.

      Business Response

      Date: 06/26/2023

      Thanks for being a valued customer, *********. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:06/12/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 went to Eyelab in ******* ** to get glasses in Dec 2022. Total cost should have been $368.60. When checking out I was told by sales associate that since I was on disability they could setup a payment plan. There was zero mention of lease to own. She said there was zero interest, just a small fee and a straight monthly payment of $77 over the next 5 months. Pressured me into signing quickly because the store was about to close for the day, etc. Typical predatory practices. To date I have paid roughly $543. My statement says I still owe $575. Over $1000 for glasses that arent even the right prescription! Eyelab told me because I used AFF and dont legally own them, I cant return them for the correct prescription. What the heck kind of businesses are these?!?Ive tried to turn off automatic payments but AFF wont let me unless I supply another bank account or debit card.As I said Im on a limited income, disabled and dont have an extra $77 a month or $1000 to lease a pair of useless glasses.Ive tried chatting with customer service online, waiting over 40 minutes and still got no one, tried calling and was basically told theres nothing I can do.I want to auto payments to stop. Ive more than paid for these useless glasses. I would like a refund of the difference between what Eyelab charged $368.60 and the amount AFF has withdrawn with autopay to date as well as no further autopay drafts from my account.AFF account *********** want AFF to stop predatory lending, scamming people and having their sales lackeys quit pressuring and lying to customers. Its extremely unethical.

      Business Response

      Date: 06/26/2023

      Thanks for being a valued customer, ********. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:06/12/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 a paid off account as off April 25th. I have called 4l3 times trying to figure out why my account is not showing properly on my credit report. I spoke to some one again may 10th and the 29 and on the 29th l was told it would be fixed in 6 days. Today l get a letter from that same date stating something different. They were not even professional enough to call me

      Business Response

      Date: 06/23/2023

      Thanks for being a valued customer, ****. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:06/08/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 being extorted by this company, I'm being charged $80.78 weekly which started on 14th of April 2023 and my balance right now only shows that it is only $22 being deducted from my balances And I've tried reaching them, everytime i call their automated voices says i don't have an account with them I'm going to attach screenshots of how much my intial balance was(April 14,2023) and how much it is now(june 2,2023), how much i been paying, and also what the transaction history on their website shows I would love if i they would contact me and resolve this asap or I'm really going to stop paying

      Business Response

      Date: 06/21/2023

      Thanks for being a valued customer, ******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:06/07/2023

      Type:Billing Issues
      Status:
      Answered
      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 not liable for this debt with AMERICAN FIRST FINANCE , I do not have a contract with them as well, They did not provide me with the original contract as requested.

      Business Response

      Date: 06/20/2023

      Clarck, thank you for bringing this to our attention. Your feedback helps us do better. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:06/07/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      On April 24, 2023, my identity was stolen. I was made aware of this on April 26, 2023, when four brand new tires was delivered to my resident. I called Tire Agent o on April 26, to inform them I did not order any tires. They transferer me to American First Finance on the same day. I told them I did not order tires or open an account with them. The lady that I spoken to name is ***. She said someone has stolen my identity. Every since then my life has been upside down. I have called American First Finance on 4/27, 4/28, 4/29, and around 5/8 or 5/9. Each time that I have called, I have requested to speak to someone in the fraud department, and each time I have been told that American First Finance do not transferer calls to the fraud department. I even asked could someone call me back. To this date on 6/2/2023, no one has called me. On 4/27/2022, I went to the police department to file a report. I will have access to the police report in 10 days. American First Finance sent an electronic document to be signed to the perpetrator pretending to be me. I have Never received any electronic document to my email to be signed. I have filed an identity theft and fraud report on 5/1/2023 and on 5/2/2023. The only thing American First Finance insisted for me to do is fill out an identity theft affidavit so they could do an investigation. However, I did not do so because they are not an A+ Trusted, I do not wish to send them any of my personal information. The resolution I am wanting: the account to be closed permanently, my name to be cleared, accountability, and an apology from the company, charges to be file against the perpetrator that stolen my identity. The amount of the account of opened for was $800. They paid $610 for the tires. The account number is: ********************************************* PO. Box ****** ******, ** ***** American First Finance number is : ************ The perpetrator cellular or house number is ************

      Business Response

      Date: 06/21/2023

      ******, thank you for bringing this to our attention. Your feedback helps us do better. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:06/07/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 not liable for the debt with AMERICAN FIRST FINANCE. I do not have a contract with AMERICAN FIRST FINANCE.You guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person.They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attatched as well, they are in major violation.

      Business Response

      Date: 06/20/2023

      ******, thank you for bringing this to our attention. Your feedback helps us do better. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:06/07/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      They refuse to fix the account, I was not even in the room when this contract was signed under my name. The merchandise that I was given is not what I ordered and I do not want them as they are not even worth half of what I paid, they are broken and not working and have been broken since day 1. I will not accept any resolution except for to be given a 100% refund and removal of this on my credit report.

      Business Response

      Date: 06/21/2023

      Hi, *********, thank you for your feedback. We are sorry to hear that you are dissatisfied with our product. AFF provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    American First Finance, LLC is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.