CFPB Consumer Complaint Profile
American Finance LLC
46 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 46
- Total complaints
- 10
- Last 12 months
- 95.7%
- Timely response
- 11
- States affected
The verdict
46 CFPB complaints put American Finance LLC at #1917 out of 3,848 financial companies ranked by complaint volume. It answers 95.7% of complaints on time - above the 93% median for companies with 100+ complaints.
- #1917
- of 3,848 companies by volume
- 95.7%
- answered on time
- Vehicle loan or lease
- most-complained product
- 11
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 2 |
| 2016 | 2 |
| 2017 | 2 |
| 2018 | 1 |
| 2019 | 6 |
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 8 |
| 2023 | 6 |
| 2024 | 3 |
| 2025 | 12 |
| 2026 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Finance LLC
46 complaints against American Finance LLC appear in the CFPB record, including 10 from the trailing year. The 11 states and territories represented put this footprint in geographically concentrated territory. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
95.7% of CFPB-forwarded complaints against American Finance LLC get a reply inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 0% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 6.5% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does American Finance LLC have?
The CFPB has logged 46 complaints against American Finance LLC to date, of which 10 came in over the last 12 months.
Does American Finance LLC respond to complaints on time?
American Finance LLC has a 95.7% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for American Finance LLC?
The most complained-about product for American Finance LLC is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with American Finance LLC?
Consumers most often cite "Incorrect information on your report" when complaining about American Finance LLC; the full issue list with counts is above.
How do I file a complaint against American Finance LLC?
You can file a complaint against American Finance LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about American Finance LLC?
The CFPB has recorded complaints against American Finance LLC from 11 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~46)
Also handles Vehicle loan or lease
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.